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| Fair Credit Reporting: The Rhode Island Unfair Trade Practice and Consumer Protection Act (Title 6, Chapter 13) contains several provisions governing credit reporting practices. § 6-13.1-21 requires users of credit report to inform a consumer before requesting a credit report in connection with that consumer's application for credit, employment, or insurance. If a credit or insurance is denied in a consumer transaction, i.e., for personal, family, or household purposes, or employment, the user must notify the consumer of the adverse action, and supply the name and address of the credit bureau supplying the report. § 6-13.1-22 of the Act requires the credit bureau which supplied a consumer credit report that led to an adverse action to provide a free copy of the report upon the request by that consumer. In other instances, a credit bureau must supply a credit report within four (4) working days of a consumer's request and may charge a fee for such report not to exceed $8 per report and may increase such fee annually not to exceed the increase in the Consumer Price Index. If a credit report is disputed by a consumer, a credit bureau must within 30 days reinvestigate the current status of the information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. (§ 6-13.1-23.) In all other respects, the State of Rhode Island generally adopts the Federal Fair Credit Reporting Act under 15 U.S.C. §§ 1681-1681(u).
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