National-LH-III Application, Underwriting, Delivery hard
An insurer commissions a third-party investigator to interview the applicant's neighbors, employer, and community contacts to ascertain the applicant's reputation, character, and mode of living. Under FCRA, this is best characterized as which type of report, and what additional disclosure obligation does it trigger? A An ordinary 'consumer report' under FCRA §1681a(d), triggering only the standard post-decision adverse-action notice if it is used adversely against the applicant, with no advance written disclosure of the personal-interview investigation required at any point before or during the inquiry B An 'investigative consumer report' under FCRA §1681a(e); the user must give the consumer written notice within three days after the report is first requested, disclosing that information about character, general reputation, personal characteristics, and mode of living may be obtained C An 'attending physician statement' under HIPAA, requiring the proposed insured's written authorization on HHS Form 9007 before any neighbor or employer may be interviewed D A 'medical record release' under 45 CFR §164.508, requiring specific identification of each interviewee and a separate signed authorization for every community contact approached
