Sec. 1. 10 MRSA §1312, sub-§1-B, ¶B, as enacted by PL 1997, c. 155, Pt. B, §1 and affected by §13, is amended to read:

B. In addition to the meaning under paragraph A, "adverse action" means:

(1) A denial or cancellation of, an increase in any charge for or a reduction or other adverse or unfavorable change in the terms of coverage or amount of any insurance, existing or applied for, in connection with the underwriting of insurance;

(2) A denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee;

(3) A denial or cancellation of, an increase in any charge for or any other adverse or unfavorable change in the terms of any license or benefit described in section 1313-A, subsection 1, paragraph C, subparagraph 4; or

(4) An action taken or determination made that is:

(a) In connection with an application that was made by, or a transaction that was initiated by, any consumer or in connection with a review of an account under section 1313-A, subsection 1, paragraph C, subparagraph (6), division (b); and

(b) Adverse to the interests of the consumer.

Sec. 2. 10 MRSA §1313-A, sub-§1, ¶C, as enacted by PL 1997, c. 155, Pt. B, §6 and affected by §13, is amended to read:

C. To a person that the consumer reporting agency has reason to believe:

(1) Intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;

(2) Intends to use the information for employment purposes;

(3) Intends to use the information in connection with the underwriting of insurance involving the consumer;