{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-607.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-607.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-607.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-607.html"}],"law_id":69670,"edition_id":1,"section_id":69670,"structure_id":14255,"section_number":"38.2-607","catch_line":"Investigative consumer reports","history":"1981, c. 389, \u00a7 38.1-57.10; 1986, c. 562.","full_text":"A\n\nNo insurance institution, agent, or insurance-support organization may prepare or request an investigative consumer report about an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement or a change in insurance benefits unless the insurance institution or agent informs the individual:1\n\nThat he may request to be interviewed in connection with the preparation of the investigative consumer report; and2\n\nThat upon a request pursuant to &#xA7; 38.2-608, he is entitled to receive a copy of the investigative consumer report.B\n\nIf an investigative consumer report is to be prepared by an insurance institution or agent, the insurance institution or agent shall institute reasonable procedures to conduct a personal interview requested by an individual.C\n\nIf an investigative consumer report is to be prepared by an insurance-support organization, the insurance institution or agent desiring the report shall inform the insurance-support organization whether a personal interview has been requested by the individual. The insurance-support organization shall institute reasonable procedures to conduct such interviews, if requested.","order_by":null,"text":{"0":{"id":251873,"text":"No insurance institution, agent, or insurance-support organization may prepare or request an investigative consumer report about an individual in connection with an insurance transaction involving an application for insurance, a policy renewal, a policy reinstatement or a change in insurance benefits unless the insurance institution or agent informs the individual:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"A1"},"1":{"id":251874,"text":"That he may request to be interviewed in connection with the preparation of the investigative consumer report; and","type":"section","prefixes":["A","1"],"prefix":"1","entire_prefix":"A1","prefix_anchor":"A1","level":2,"prior_prefix":"A","next_prefix":"A2"},"2":{"id":251875,"text":"That upon a request pursuant to &#xA7; 38.2-608, he is entitled to receive a copy of the investigative consumer report.","type":"section","prefixes":["A","2"],"prefix":"2","entire_prefix":"A2","prefix_anchor":"A2","level":2,"prior_prefix":"A1","next_prefix":"B"},"3":{"id":251876,"text":"If an investigative consumer report is to be prepared by an insurance institution or agent, the insurance institution or agent shall institute reasonable procedures to conduct a personal interview requested by an individual.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A2","next_prefix":"C"},"4":{"id":251877,"text":"If an investigative consumer report is to be prepared by an insurance-support organization, the insurance institution or agent desiring the report shall inform the insurance-support organization whether a personal interview has been requested by the individual. The insurance-support organization shall institute reasonable procedures to conduct such interviews, if requested.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B"}},"ancestry":[{"id":14255,"edition_id":1,"name":"Collection, Use, and Dissemination of Information","identifier":"1","label":"article","depth":3,"order_by":1,"parent_id":12922,"metadata":{},"date_created":"2026-06-26 03:47:28","date_modified":"2026-06-26 03:47:28","permalink":{"id":218015,"object_type":"structure","relational_id":14255,"identifier":"1","token":"38.2\/6\/1","url":"\/38.2\/6\/1\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12922,"edition_id":1,"name":"Insurance Information and Privacy Protection","identifier":"6","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:01","date_modified":"2026-06-26 03:44:01","permalink":{"id":218013,"object_type":"structure","relational_id":12922,"identifier":"6","token":"38.2\/6","url":"\/38.2\/6\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":64742,"structure_id":14255,"section_number":"38.2-600","catch_line":"Purposes","url":"\/38.2-600\/","token":"38.2\/6\/1\/38.2-600","metadata":false},{"id":61470,"structure_id":14255,"section_number":"38.2-601","catch_line":"Application of article","url":"\/38.2-601\/","token":"38.2\/6\/1\/38.2-601","metadata":false},{"id":73837,"structure_id":14255,"section_number":"38.2-602","catch_line":"Definitions","url":"\/38.2-602\/","token":"38.2\/6\/1\/38.2-602","metadata":false},{"id":63985,"structure_id":14255,"section_number":"38.2-603","catch_line":"Pretext interviews","url":"\/38.2-603\/","token":"38.2\/6\/1\/38.2-603","metadata":false},{"id":85852,"structure_id":14255,"section_number":"38.2-604","catch_line":"Notice of information collection and disclosure practices","url":"\/38.2-604\/","token":"38.2\/6\/1\/38.2-604","metadata":false},{"id":64388,"structure_id":14255,"section_number":"38.2-604.1","catch_line":"Notice of financial information collection and disclosure practices","url":"\/38.2-604.1\/","token":"38.2\/6\/1\/38.2-604.1","metadata":false},{"id":79870,"structure_id":14255,"section_number":"38.2-605","catch_line":"Marketing and research surveys","url":"\/38.2-605\/","token":"38.2\/6\/1\/38.2-605","metadata":false},{"id":64763,"structure_id":14255,"section_number":"38.2-606","catch_line":"Content of disclosure authorization forms","url":"\/38.2-606\/","token":"38.2\/6\/1\/38.2-606","metadata":false},{"id":69670,"structure_id":14255,"section_number":"38.2-607","catch_line":"Investigative consumer reports","url":"\/38.2-607\/","token":"38.2\/6\/1\/38.2-607","metadata":false},{"id":81752,"structure_id":14255,"section_number":"38.2-608","catch_line":"Access to recorded personal information","url":"\/38.2-608\/","token":"38.2\/6\/1\/38.2-608","metadata":false},{"id":56196,"structure_id":14255,"section_number":"38.2-609","catch_line":"Correction, amendment, or deletion of recorded personal information","url":"\/38.2-609\/","token":"38.2\/6\/1\/38.2-609","metadata":false},{"id":83133,"structure_id":14255,"section_number":"38.2-610","catch_line":"Notice of adverse underwriting decision; furnishing reasons for decisions and sources of information","url":"\/38.2-610\/","token":"38.2\/6\/1\/38.2-610","metadata":false},{"id":77789,"structure_id":14255,"section_number":"38.2-611","catch_line":"Information concerning previous adverse underwriting decisions","url":"\/38.2-611\/","token":"38.2\/6\/1\/38.2-611","metadata":false},{"id":60819,"structure_id":14255,"section_number":"38.2-612","catch_line":"Bases for adverse underwriting decisions","url":"\/38.2-612\/","token":"38.2\/6\/1\/38.2-612","metadata":false},{"id":64433,"structure_id":14255,"section_number":"38.2-612.1","catch_line":"Special requirements for providing financial information to nonaffiliated third parties","url":"\/38.2-612.1\/","token":"38.2\/6\/1\/38.2-612.1","metadata":false},{"id":56355,"structure_id":14255,"section_number":"38.2-612.2","catch_line":"Protection of the Fair Credit Reporting Act","url":"\/38.2-612.2\/","token":"38.2\/6\/1\/38.2-612.2","metadata":false},{"id":55493,"structure_id":14255,"section_number":"38.2-613","catch_line":"Disclosure limitations and conditions","url":"\/38.2-613\/","token":"38.2\/6\/1\/38.2-613","metadata":false},{"id":85509,"structure_id":14255,"section_number":"38.2-613.01","catch_line":"Commission to promulgate regulations on disclosure of certain medical test results to insurance applicants","url":"\/38.2-613.01\/","token":"38.2\/6\/1\/38.2-613.01","metadata":false},{"id":58399,"structure_id":14255,"section_number":"38.2-613.1","catch_line":"Disclosure of agent's moratorium required","url":"\/38.2-613.1\/","token":"38.2\/6\/1\/38.2-613.1","metadata":false},{"id":73940,"structure_id":14255,"section_number":"38.2-613.2","catch_line":"Repealed","url":"\/38.2-613.2\/","token":"38.2\/6\/1\/38.2-613.2","metadata":false},{"id":78057,"structure_id":14255,"section_number":"38.2-614","catch_line":"Powers of Commission","url":"\/38.2-614\/","token":"38.2\/6\/1\/38.2-614","metadata":false},{"id":84055,"structure_id":14255,"section_number":"38.2-615","catch_line":"Hearings and procedures","url":"\/38.2-615\/","token":"38.2\/6\/1\/38.2-615","metadata":false},{"id":68943,"structure_id":14255,"section_number":"38.2-616","catch_line":"Service of process on insurance-support organizations","url":"\/38.2-616\/","token":"38.2\/6\/1\/38.2-616","metadata":false},{"id":73310,"structure_id":14255,"section_number":"38.2-617","catch_line":"Individual remedies","url":"\/38.2-617\/","token":"38.2\/6\/1\/38.2-617","metadata":false},{"id":67050,"structure_id":14255,"section_number":"38.2-618","catch_line":"Immunity of persons disclosing information","url":"\/38.2-618\/","token":"38.2\/6\/1\/38.2-618","metadata":false},{"id":79983,"structure_id":14255,"section_number":"38.2-619","catch_line":"Obtaining information under false pretenses","url":"\/38.2-619\/","token":"38.2\/6\/1\/38.2-619","metadata":false},{"id":78715,"structure_id":14255,"section_number":"38.2-620","catch_line":"Repealed","url":"\/38.2-620\/","token":"38.2\/6\/1\/38.2-620","metadata":false}],"previous_section":{"id":64763,"structure_id":14255,"section_number":"38.2-606","catch_line":"Content of disclosure authorization forms","url":"\/38.2-606\/","token":"38.2\/6\/1\/38.2-606","metadata":false},"next_section":{"id":81752,"structure_id":14255,"section_number":"38.2-608","catch_line":"Access to recorded personal information","url":"\/38.2-608\/","token":"38.2\/6\/1\/38.2-608","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-607\/","history_text":"<p>This law was first created in 1981. The record of its establishment is cataloged in chapter 389 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1981 \u201cActs\u201d aren\u2019t available online. It has been modified 1 time. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. That modification is as follows: in 1986, chapter 562.<\/p>","references":false,"refers_to":[{"id":81752,"section_number":"38.2-608","catch_line":"Access to recorded personal information","order_by":null,"url":"\/38.2-608\/"}],"permalink":{"id":218049,"object_type":"law","relational_id":69670,"identifier":"38.2-607","token":"38.2\/6\/1\/38.2-607","url":"\/38.2-607\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-607\/","token":"38.2\/6\/1\/38.2-607","dublin_core":{"Title":"Investigative consumer reports","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-607","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t<section id=\"A\"><p><span class=\"prefix-number\">A.<\/span> No <span class=\"dictionary\">insurance institution<\/span>, <span class=\"dictionary\">agent<\/span>, or <span class=\"dictionary\">insurance-support organization<\/span> may prepare or request an <span class=\"dictionary\">investigative consumer report<\/span> about an <span class=\"dictionary\">individual<\/span> in connection with an <span class=\"dictionary\">insurance transaction<\/span> involving an application for insurance, a policy renewal, a policy reinstatement or a change in insurance benefits unless the <span class=\"dictionary\">insurance institution<\/span> or <span class=\"dictionary\">agent<\/span> informs the <span class=\"dictionary\">individual<\/span>: <a id=\"paragraph-251873\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-607\/#A\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A1\" class=\"indent-1\"><p><span class=\"prefix-number\">1.<\/span> That he may request to be interviewed in connection with the preparation of the <span class=\"dictionary\">investigative consumer report<\/span>; and <a id=\"paragraph-251874\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-607\/#A1\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"A2\" class=\"indent-1\"><p><span class=\"prefix-number\">2.<\/span> That upon a request pursuant to &#xA7; <a class=\"law\" title=\"Access to recorded personal information\" href=\"\/38.2-608\/\">38.2-608<\/a>, he is entitled to receive a copy of the <span class=\"dictionary\">investigative consumer report<\/span>. <a id=\"paragraph-251875\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-607\/#A2\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"B\"><p><span class=\"prefix-number\">B.<\/span> If an <span class=\"dictionary\">investigative consumer report<\/span> is to be prepared by an <span class=\"dictionary\">insurance institution<\/span> or <span class=\"dictionary\">agent<\/span>, the <span class=\"dictionary\">insurance institution<\/span> or <span class=\"dictionary\">agent<\/span> shall institute reasonable procedures to conduct a personal interview requested by an <span class=\"dictionary\">individual<\/span>. <a id=\"paragraph-251876\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-607\/#B\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t<section id=\"C\"><p><span class=\"prefix-number\">C.<\/span> If an <span class=\"dictionary\">investigative consumer report<\/span> is to be prepared by an <span class=\"dictionary\">insurance-support organization<\/span>, the <span class=\"dictionary\">insurance institution<\/span> or <span class=\"dictionary\">agent<\/span> desiring the report shall inform the <span class=\"dictionary\">insurance-support organization<\/span> whether a personal interview has been requested by the <span class=\"dictionary\">individual<\/span>. The <span class=\"dictionary\">insurance-support organization<\/span> shall institute reasonable procedures to conduct such interviews, if requested. <a id=\"paragraph-251877\" class=\"section-permalink\" href=\"https:\/\/vacode.org\/38.2-607\/#C\"><i class=\"fa fa-link\"><\/i><\/a><\/p><\/section>","plain_text":"                                 CODE OF VIRGINIA\n\nINVESTIGATIVE CONSUMER REPORTS (\u00a7 38.2-607)\n\nA. No insurance institution, agent, or insurance-support organization may\nprepare or request an investigative consumer report about an individual in\nconnection with an insurance transaction involving an application for insurance,\na policy renewal, a policy reinstatement or a change in insurance benefits\nunless the insurance institution or agent informs the individual:\n\n   1. That he may request to be interviewed in connection with the preparation of\n   the investigative consumer report; and\n\n   2. That upon a request pursuant to &#xA7; 38.2-608, he is entitled to receive\n   a copy of the investigative consumer report.\n\nB. If an investigative consumer report is to be prepared by an insurance\ninstitution or agent, the insurance institution or agent shall institute\nreasonable procedures to conduct a personal interview requested by an\nindividual.\n\nC. If an investigative consumer report is to be prepared by an insurance-support\norganization, the insurance institution or agent desiring the report shall\ninform the insurance-support organization whether a personal interview has been\nrequested by the individual. The insurance-support organization shall institute\nreasonable procedures to conduct such interviews, if requested.\n\nHISTORY: 1981, c. 389, \u00a7 38.1-57.10; 1986, c. 562.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}