Makes employment decisions, in Newfoundland and Labrador

S.N.L. 2009, c. C-31.1, ss. 36-44, 109 · Read the law's page

• If you are a credit reporting agency, provide a credit report only in response to a court order, on the consumer's written instructions, in response to an order or direction under Part VI, with the consumer's prior consent to a person you have reason to believe is involved in a business or credit transaction with the consumer or intends to use the report for employment purposes, or to the government of the province or of Canada or a peace officer acting in the course of duties (s. 38(1)).
• Do not seek to obtain a credit report from a credit reporting agency except for those purposes, and tell the consumer in writing, with the name and address of the agency, before you procure or prepare a credit report containing personal information (ss. 38(2), 41).
• If you assess a consumer's credit risk, tell the consumer on request whether a credit report was obtained and which agency supplied it (s. 40).
• If you are a credit reporting agency, do not put information as to race, religion, sex, political opinion, colour, or ethnic, national or social origin in a credit report, and do not collect, store, retain or report credit information unless it is capable of corroboration from another source (s. 39(1)(h), (2)).
• If you are a credit reporting agency, on a consumer's request and without charge, disclose whether you hold credit information about the consumer, produce its contents for examination and name the recipients of reports made in the previous year, and comply with a direction of the director to alter, amend or restrict inaccurate or non-compliant information (ss. 42(1), 43).
• If you are or have been a credit reporting agency, do not sell or lease your files except to a credit reporting agency registered under Part VI (s. 44).