Utah § 31A-22-1307 Use of consumer reports by residential dwelling liability insurers.

Utah Statutes

§ 31A-22-1307 — Use of consumer reports by residential dwelling liability insurers.

Utah § 31A-22-1307

Title 31AInsurance Code

Ch. 31A-22Contracts in Specific Lines

Part 31A-22-13Miscellaneous Provisions

This text of Utah § 31A-22-1307 (Use of consumer reports by residential dwelling liability insurers.) is published on Counsel Stack Legal Research, covering Utah primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Utah Code Ann. § 31A-22-1307 (2026).

Text

(1)An insurer who uses consumer reports in connection with the underwriting of residential dwelling liability insurance shall establish and adhere to written procedures that:

(1)(a) identify the circumstances under which the insurer may request and the manner in which it will use consumer reports in its underwriting decisions;

(1)(b) provide prior notice of the possible or intended use of a consumer report to an applicant for a residential liability insurance policy; and

(1)(c) ensure compliance with the Consumer Credit Reporting Act, 15 U.S.C. Sec. 1681 et seq., including the duties that arise from taking adverse action based on information contained in a consumer report.

(2)An insurer that requests or uses a consumer report in connection with an application for a residential dwelling

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(1) An insurer who uses consumer reports in connection with the underwriting of residential dwelling liability insurance shall establish and adhere to written procedures that:

(1)(a) identify the circumstances under which the insurer may request and the manner in which it will use consumer reports in its underwriting decisions;
(1)(b) provide prior notice of the possible or intended use of a consumer report to an applicant for a residential liability insurance policy; and
(1)(c) ensure compliance with the Consumer Credit Reporting Act, 15 U.S.C. Sec. 1681 et seq., including the duties that arise from taking adverse action based on information contained in a consumer report.
(2) An insurer that requests or uses a consumer report in connection with an application for a residential dwelling liability insurance policy shall maintain evidence of its compliance with the written procedures established by the insurer under Subsection (1).
(3) An insurer shall submit to the commissioner, upon request, evidence of compliance maintained in accordance with Subsection (2).
(4) As used in this section, the terms "consumer report" and "adverse action" are defined in 15 U.S.C. Sec. 1681a.