§ 75-135. Required disclosure. - North Carolina Statutes

§ 75‑135.  Requireddisclosure.

(a)        Prior to chargingor collecting any fee or compensation from a consumer for obtaining, providing,or monitoring the consumer's credit report on behalf of the consumer, a creditmonitoring service shall provide a clear and conspicuous written description ofa consumer's right to one free credit report per year pursuant to section612(a) [15 U.S.C. § 1681j(a)] of the federal Fair Credit Reporting Act, and howto obtain those credit reports from each of the nationwide consumer reportingagencies, as defined in section 603(p) [15 U.S.C. § 1681a(p)] of the federalFair Credit Reporting Act, 15 U.S.C. § 1681, et seq.

(b)        If the creditmonitoring service is offered and fees are collected during a telephone call,the notice required by subsection (a) of this section will be offered in thesame manner.

(c)        A violation of thissection is a violation of G.S. 75‑1.1, except that compliance with therequirement that the notice required by this section be clear and conspicuousshall be enforced exclusively by the Attorney General under G.S. 75‑15.  (2009‑355, s. 7.)