2010 Maryland Code
COMMERCIAL LAW
TITLE 14 - MISCELLANEOUS CONSUMER PROTECTION PROVISIONS
Subtitle 12 - Consumer Credit Reporting Agencies
Section 14-1203 - Reporting of obsolete information prohibited.

§ 14-1203. Reporting of obsolete information prohibited.
 

(a)  Prohibited items of information.- Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information: 

(1) Bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than 10 years; 

(2) Suits and judgments which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period; 

(3) Paid tax liens which, from date of payment, antedate the report by more than seven years; 

(4) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years; 

(5) Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years; or 

(6) Any other adverse item of information which antedates the report by more than seven years. 

(b)  Application of subsection (a).- The provisions of subsection (a) of this section are not applicable in the case of any consumer credit report to be used in connection with: 

(1) A credit transaction involving, or which may reasonably be expected to involve, a principal amount of $50,000 or more; 

(2) The underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of $50,000 or more; or 

(3) The employment of any individual at an annual salary which equals, or which may reasonably be expected to equal, $20,000 or more. 
 

[1976, ch. 584; 1977, ch. 534; 1992, ch. 441.]