2012 Massachusetts General Laws
PART I ADMINISTRATION OF THE GOVERNMENT(Chapters 1 through 182)
TITLE XV REGULATION OF TRADE
CHAPTER 93 REGULATION OF TRADE AND CERTAIN ENTERPRISES
Section 52 Information not to be contained in report; exceptions

Section 52. (a) Except as authorized under subsection (b) no consumer reporting agency shall 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 fourteen 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.

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

(b) The provisions of subsection (a) are not applicable in the case of any consumer credit report to be used in connection with—

[Clause (1) of subsection (b) effective until May 4, 2012. For text effective May 4, 2012, see below.]

(1) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of fifty thousand dollars or more;

[Clause (1) of subsection (b) as amended by 2010, 256, Sec. 65 effective May 4, 2012. See 2010, 256, Sec. 145 as amended by 2010, 359, Sec. 102. For text effective until May 4, 2012, see above.]

(1) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of fifty thousand dollars or more; or

[Clause (2) of subsection (b) effective until May 4, 2012. For text effective May 4, 2012, see below.]

(2) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of fifty thousand dollars or more; or

[Clause (2) of subsection (b) as amended by 2010, 256, Sec. 66 effective May 4, 2012. See 2010, 256, Sec. 145 as amended by 2010, 359, Sec. 102. For text effective until May 4, 2012, see above.]

(2) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of fifty thousand dollars or more.

[Clause (3) of subsection (b) effective until May 4, 2012. Deleted by 2010, 256, Sec. 66. See 2010, 256, Sec. 145 as amended by 2010, 359, Sec. 102.]

(3) the employment of any individual at an annual salary which equals or which may reasonably be expected to equal twenty thousand dollars or more.