New Jersey § 56:11-31

§ 56:11-31.

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 a subpoena issued in connection with proceedings before a State or federal grand

jury. (2) In accordance with the written instructions of the consumer to whom it relates. (3) To a person which it has reason to believe: (a) intends to use the information 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; (b) intends to use the information for employment purposes; (c) intends to use the information in connection with the underwriting of insurance

involving the consumer; (d) intends to use the information 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; (e) intends to use the information, as a potential investor or servicer, or current

insurer, in connection with a valuation of, or an assessment of the credit or prepayment

risks associated with, an existing credit obligation; or (f) otherwise has a legitimate business need for the information: (i) in connection with a business transaction that is initiated by the consumer;

or (ii) to review an account to determine whether the consumer continues to meet the

terms of the account. (4) In response to a request by the head of a State or local child support enforcement

agency (or a State or local government official authorized by the head of such an

agency), if the person making the request certifies to the consumer reporting agency

that: (a) the consumer report is needed for the purpose of establishing an individual's

capacity to make child support payments or determining the appropriate level of those

payments; (b) the paternity of the consumer for the child to which the obligation relates has

been established or acknowledged by the consumer in accordance with State laws under

which the obligation arises (if required by those laws); (c) the person has provided at least 10 days' prior notice to the consumer whose report

is requested, by certified or registered mail to the last known address of the consumer,

that the report will be requested; and (d) the consumer report will be kept confidential, will be used solely for a purpose

described in paragraph (1) of this subsection, and will not be used in connection

with any other civil, administrative, or criminal proceeding, or for any other purpose. (5) To an agency administering a state plan under 42 U.S.C. s. 654 for use to set an initial or modified child support award. b. A consumer reporting agency may furnish a consumer report for employment purposes

only if: (1) the person who obtains the report from the agency certifies to the agency that: (a) the person has complied with subsection c. of this section with respect to the

consumer report, and the person will comply with subsection d. of this section with

respect to the consumer report if that subsection becomes applicable; and (b) information from the consumer report will not be used in violation of any applicable

federal or state equal employment opportunity law or regulation; and (2) the consumer reporting agency provides with the report a summary of the consumer's

rights under the federal “Fair Credit Reporting Act,” 15 U.S.C. s.1681 et seq. c. A person may not procure a consumer report, or cause a consumer report to be procured,

for employment purposes with respect to any consumer, unless: (1) a clear and conspicuous disclosure has been made in writing to the consumer at

any time before the report is procured or caused to be procured, in a document that

consists solely of the disclosure, that a consumer report may be obtained for employment

purposes; and (2) the consumer has authorized in writing the procurement of the report by that person. d. A consumer reporting agency shall not furnish for employment purposes, or in connection

with a credit or insurance transaction or a direct marketing transaction, a consumer

report that contains medical information about a consumer unless the consumer consents

to the furnishing of the report in writing. e. In using a consumer report for employment purposes, before taking any adverse action

based in whole or in part on the report, the person intending to take an adverse action

shall provide to the consumer to whom the report relates: (1) a copy of the report; and (2) a description in writing of the rights of the consumer under this act and the

federal “Fair Credit Reporting Act,” 15 U.S.C. s.1681 et seq. f. Consumer reporting agencies may furnish a consumer report relating to any consumer

pursuant to subparagraph (a) or (c) of paragraph (3) of subsection a. of this section

in connection with any credit or insurance transaction that is not authorized by the

consumer only if the consumer reporting agency complies with the requirements of subsections

(c) and (e) of section 604 of the federal “Fair Credit Reporting Act,” 15 U.S.C. s.1681b . g. A person shall not use or obtain a consumer report for any purpose unless: (1) the consumer report is obtained for a purpose for which the consumer report is

authorized to be furnished under this section; and (2) the purpose for its use is certified in accordance with section 5 of this act

by a prospective user of the report.