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For purposes of this chapter, the terms of the 'Fair Credit Reporting Act' as defined in § 1681a are hereby adopted.\nThe following terms shall mean:\n(a) Commissioner. — The Commissioner of Financial Institutions as defined by §§ 2001 et seq., known as the 'Financial Institutions Commissioner’s Office Act'.\n(b) Consumer. — Individual.\n(c) Fair Credit Reporting Act. — Refers to the Fair Credit Reporting Act of 1970, 15 U.S.C. §§ 1681—1681u (1996), as amended from time to time.\n(d) Credit report. — Any communication, oral, written, or otherwise, provided by a credit reporting agency, which contains information about the capacity, reputation and/or credit worthiness and personal information of a consumer that is used completely, or in part, to establish the consumer’s eligibility for, among other things, obtaining credit.\n(e) Adverse information. — Refers to information about consumers’ transactions submitted to credit reporting agencies, that reflects any type of delinquency in consumer payments, or which negatively affects their credit report.\n(f) Information about the consumer. — The information contained in the Fair Credit Reporting Act, Section 603 (15 U.S.C.

quency in consumer payments, or which negatively affects their credit report.\n(f) Information about the consumer. — The information contained in the Fair Credit Reporting Act, Section 603 (15 U.S.C. §§ 1681d).\n(g) Act No. 4. — Refers to §§ 2001 et seq. of this title, known as the 'Financial Institutions Commissioner’s Office Act'.\n(h) Act No. 5. — Refers to §§ 341 et seq. of Title 3, known as the 'Organic Act of the Department of Consumer Affairs'.\n(i) Act No. 170. — Refers to §§ 2101 et seq. of Title 3, known as the 'Uniform Administrative Procedures Act of the Commonwealth of Puerto Rico'.\n(j) Consecutive delinquency. — Refers to a delinquency that is not interrupted by any payment to cover the delinquent balance.\n(k) Information provider. — The person who in the normal course of his/her operations submits information about transactions and payment activities of consumers to credit reporting agencies.\n(l) Secretary. — Means the Secretary of the Department of Consumer Affairs.\nHistory —Sept. 2, 2000, No. 364, § 3; Feb. 8, 2003, No. 74, § 1.