Applies to creditors who are subject to the Equal Credit Opportunity Act, but are not subject to the Fair Credit Reporting Act

Creates narrow exceptions to the statutory prohibition against obtaining or using medical information in connection with determining eligibility for credit

• State of health, health history, treatment or prognosis may not be taken into account in underwriting a credit decision
• Only financially related medical information, for example, medically related debts and payment history, may be utilized

Index

• 232.1  Scope, general prohibition and definitions
• 232.2  Rule of construction for obtaining and using
  unsolicited medical information
• 232.3  Financial information exception for obtaining and
  using medical information
• 232.4  Specific exceptions for obtaining and using medical
  information