2006 New York Code - Permissible Dissemination Of Reports.

 
    §   380-b.  Permissible  dissemination  of  reports.  (a)  A  consumer
  reporting agency may furnish  a  consumer  report  under  the  following
  circumstances and no other:
    (1)  In  response to the order of a court having jurisdiction to issue
  such an order, or
    (2) In accordance with the written instructions  of  the  consumer  to
  whom it relates, or
    (3)  To  a  person  whom  it  has reason to believe intends to use the
  information (i) in connection with a credit  transaction  involving  the
  consumer  on  whom  the information is to be furnished and involving the
  extension of credit to, or review or collection of an  account  of,  the
  consumer,  or  (ii) for employment purposes, or (iii) in connection with
  the underwriting  of  insurance  involving  the  consumer,  or  (iv)  in
  connection  with  a  determination  of  the consumer's eligibility for a
  license or other  benefit  granted  by  a  governmental  instrumentality
  required  by  law to consider an applicant's financial responsibility or
  status, or (v) to a person in connection  with  a  business  transaction
  involving the consumer where the user has a legitimate business need for
  such  information,  or  (vi) in connection with the rental or lease of a
  residence.
    (b)  No  person  shall  request  a  consumer  report,  other  than  an
  investigative  consumer  report,  in connection with an application made
  after the effective  date  of  this  article,  for  credit,  employment,
  insurance,  or  rental  or  lease of residences, unless the applicant is
  first informed in writing or in the same manner in which the application
  is made that (i) a consumer report may be requested in  connection  with
  such  application,  and (ii) the applicant upon request will be informed
  whether or not a consumer report was requested, and if such  report  was
  requested,  informed  of  the name and address of the consumer reporting
  agency that furnished the report.
    (c) Where the notice provided pursuant  to  subdivision  (b)  of  this
  section  further  indicates that subsequent consumer reports, other than
  investigative  consumer  reports,  may  be  requested  or  utilized   in
  connection  with  an  update,  renewal,  or  extension  of  the  credit,
  employment, insurance, or  rental  or  lease  of  residences  for  which
  application  was  made,  no  additional  notice to the consumer shall be
  required at the time such subsequent report is requested.
    (d) The notice requirements of this section shall not be applicable to
  the update, renewal, or extension of credit, employment,  insurance,  or
  rental  or  lease  of  residences for which initial application was made
  prior to the effective date of this article.