1. A. In General. This chapter applies to insurers that sell or offer to sell homeowner's insurance or private passenger motor vehicle insurance.

2. B. Insurance Transaction Not Initiated by a Consumer.

   1. (1) This chapter does not apply to the use of a credit report or a credit score derived from a credit report, by an insurer in an insurance transaction that:

      1. (a) Is not initiated by a consumer; and
      2. (b) Consists of a firm offer of insurance.

   2. (2) If an insurer refuses to underwrite after a consumer submits an application in response to a firm offer of insurance made in accordance with §B(1) of this regulation, the refusal to underwrite:

      1. (a) Is not part of a transaction that is not initiated by a consumer; and
      2. (b) Is subject to this chapter and any provisions of the Annotated Code of Maryland that are applicable to underwriting, including Insurance Article, §27-501, Annotated Code of Maryland.
3. C. Accuracy or Completeness of Information in Credit Report. This chapter does not apply to a dispute regarding the accuracy or completeness of information in a credit report.

Authority: Insurance Article, §§2-109, 11-101, 11-306, 11-307, 27-212(d), 27-406, 27-501, and 27-605, Annotated Code of Maryland

Effective date: May 15, 2000 (27:9 Md. R. 861)

Chapter revised effective October 14, 2002 (29:20 Md. R. 1594)

Regulation .07D amended effective February 1, 2016 (43:2 Md. R. 129)