Ohio § 1349.51

§ 1349.51.

(A) As used in this section: (1) “ Consumer report ” and “ consumer reporting agency ” have the same meanings as in the “ Fair Credit Reporting Act ,” 84 Stat. 1128 (1970), 15 U.S.C.A. 1681a , as amended. (2) “ Licensed resident insurance agent ” means any natural person or business entity licensed as a resident insurance agent

under section 3905.06 of the Revised Code . (B) No consumer reporting agency shall sell or otherwise furnish any information relative

to an individual's insurance coverage that was submitted, in whole or in part, in

conjunction with an insurance company's inquiry into an individual's credit history

or request for a consumer report.  This information includes, but is not limited to, the expiration date of an insurance

policy, information that may be used to find a policy's expiration date or approximate

expiration date, and the terms and conditions of an insurance policy. (C) Division (B) of this section does not prohibit a consumer reporting agency from furnishing

information relative to an individual's insurance coverage to the agent or producer

that supplied the information. (D) Division (B) of this section does not prohibit a consumer reporting agency from furnishing

information relative to an individual's insurance coverage to an insurance company,

the insurer's affiliates, or members of a holding company in which the insurer is

a member, if the information was supplied by an agent or producer acting on behalf

of the insurer. (E) Nothing in this section shall be construed to prohibit an insurance company from

obtaining a claims history or motor vehicle report. (F) An insurance company shall indemnify, defend, and hold harmless its licensed resident

insurance agent from and against all liability, damages, fees, and costs arising out

of or relating to the actions, errors, or omissions of its licensed resident insurance

agent resulting from the use of credit information or insurance scores for the insurance

company, provided that its licensed resident insurance agent follows the procedures

and instructions established by the insurance company for its licensed resident insurance

agent, works within the authority granted by the insurance company to its licensed

resident insurance agent, and complies with all applicable laws and regulations.  Nothing in this section shall be construed to provide a consumer or insured with

a cause of action that does not exist in the absence of this section.