R.I. Gen. Laws ch. 6-13.1 § 6-13.1-20

Credit reports — Definitions

In Force
Verified 10/26/2026 · Next check 11/2/2026
effective 1/1/2026Rhode IslandFair Credit Reporting Act

Operative Text

R.I. Gen. Laws ch. 6-13.1 § 6-13.1-20
As used in this chapter:

(1) "Credit bureau" means any entity or person who or that, for monetary fees, dues, or
on a cooperative nonprofit basis, regularly engages in whole or in part in the practice
of assembling or evaluating consumer credit information or other information on consumers
for the purpose of furnishing credit reports to third parties.


(2)(i) "Credit report" means any written, oral, or other communication of any information
by a credit bureau bearing on a consumer's credit worthiness, credit standing, or
credit capacity, that is used or expected to be used or collected in whole or in part
for the purpose of serving as a factor in establishing the consumer's eligibility
for:


(A) Credit or insurance to be used primarily for personal, family, or household purposes;


(B) Employment purposes; or


(C) Other purposes authorized under the federal Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.


(ii) "Credit report" does not include:


(A) Any report containing information solely as to transactions or experiences between
the consumer and the person making the report;


(B) Any authorization or approval of a specific extension of credit directly or indirectly
by the issuer of a credit card or similar device;


(C) Any report in which a person who has been requested by a third party to make a specific
extension of credit directly or indirectly to a consumer conveys their decision with
respect to that request if the third party advises the consumer of the name and address
of the person to whom the request was made and the person makes the disclosures to
the consumer required under the federal Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.;


(D) Any report containing information solely on a consumer's character, general reputation,
personal characteristics, or mode of living that is obtained through personal interviews
with neighbors, friends, or associates of the consumer reported on, or with others
with whom the consumer is acquainted or who may have knowledge concerning those items
of information, only if the report is not used in granting, extending, or decreasing
credit; or


(E) Any report containing information solely as to transactions or experiences between
the consumer and a healthcare provider for medical debt.


(3) "Medical debt" means an obligation of a consumer to pay an amount for the receipt
of healthcare services as defined by § 27-81-3, products, or devices, owed to a healthcare facility or a healthcare professional
as defined by §§ 27-81-3 and 6-60-1. Medicaid reimbursement and child support orders are excluded from this definition.
Source: Legislative text reproduced verbatim
Plain English

Section 6-13.1-20 of Rhode Island General Laws establishes the foundational definitions for the state's credit report chapter, clarifying what counts as a 'credit bureau,' a 'credit report,' and 'medical debt.' A credit bureau is broadly defined as any entity that regularly assembles or evaluates consumer credit information for third parties in exchange for fees or on a nonprofit cooperative basis. Importantly, the definition of 'credit report' excludes certain communications—such as reports based solely on a consumer's own transaction history with a business, specific credit-card authorization decisions, and reports containing only medical debt information—aligning Rhode Island's framework with federal Fair Credit Reporting Act standards under 15 U.S.C. § 1681 et seq.

Written by anthropic/claude-sonnet-4.6 · Reviewed on October 15, 2026

Plain English — not legal advice.

For Property Managers

Under R.I. Gen. Laws § 6-13.1-20, landlords and property managers who use third-party screening services to evaluate prospective tenants should be aware that those services likely qualify as 'credit bureaus' under Rhode Island law, and the reports they produce are likely 'credit reports' subject to the chapter's requirements. Compliant operators generally confirm that any screening report they obtain falls within the statutory definition and is used for a permissible purpose, such as evaluating a rental applicant. Operators also take note that reports containing only medical debt information are explicitly excluded from the definition of 'credit report' under this section, which may affect how certain consumer information is treated during the screening process.

General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.

For Tenants

Section 6-13.1-20 sets out the definitions that govern how credit information about Rhode Island consumers—including rental applicants—may be assembled and used under state law. Tenants and applicants should know that reports used to evaluate their eligibility for housing are generally covered by this chapter's protections, while certain categories of information, including reports consisting solely of medical debt, fall outside the statutory definition of 'credit report.' Individuals who believe their credit information has been improperly assembled or used may wish to review their rights under this chapter, consult a tenant-rights organization, or explore remedies available under both Rhode Island law and the federal Fair Credit Reporting Act.

General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.

Generated October 15, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.

Effective Timeline

Current
Jan 1, 2026
Click on timeline segments to view historical versions.

References Out

Rules and statutes cited by this regulation

15 U.S.C. § 1681
Not yet ingested
R.I. Gen. Laws § 27-81-3
Not yet ingested

References In

Rules and statutes that cite this regulation

R.I. Gen. Laws § 6-13.1-2
R.I. Gen. Laws § 6-13.1-12
R.I. Gen. Laws § 6-13.1-21
R.I. Gen. Laws § 6-13.1-23
R.I. Gen. Laws § 6-13.1-1
R.I. Gen. Laws § 6-13.1-2
R.I. Gen. Laws § 6-13.1-2
R.I. Gen. Laws § 6-13.1-5
R.I. Gen. Laws § 6-13.1-5
R.I. Gen. Laws § 6-13.1-5

Related Rules

§ 1022.1
§ 1022.1 Purpose, scope, and model forms and disclosures.
§ 1022.2
§ 1022.2 Examples.
§ 1022.3
§ 1022.3 Definitions.

Source Information

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