N.Y. ISC Law § 2801

§ 2801. Definitions. For the purposes of this article, the following\nterms shall have the following meanings:\n (a) "Adverse action" shall mean a denial or cancellation of, an\nincrease in any charge for, or a reduction or other adverse or\nunfavorable change in the terms of coverage or amount of, any insurance,\nexisting or applied for, in connection with the underwriting of personal\ninsurance.\n (b) "Affiliate" shall mean any company that controls, is controlled\nby, or is under common control with another company.\n (c) "Applicant" shall mean an individual who has applied to be covered\nby a personal lines insurance policy with an insurer.\n (d) "Consumer" shall mean an insured whose credit information is used\nor whose insurance score is calculated in the underwriting or rating of\na personal lines insurance policy or an applicant for such a policy.\n (e) "Consumer reporting agency" shall mean any person who, for\nmonetary fees, dues, or on a cooperative nonprofit basis, regularly\nengages in whole or in part in the practice of assembling or evaluating\nconsumer credit information or other information on consumers for the\npurpose of furnishing consumer reports to third parties.\n (f) "Credit information" shall mean any credit-related information\nderived from a credit report, found on a credit report itself, or\nprovided on an application for personal lines insurance. Information\nthat is not credit-related shall not be considered "credit information",\nregardless of whether it is contained in a credit report or in an\napplication, or is used to calculate an insurance score.\n (g) "Credit report" shall mean any written, oral, or other\ncommunication of information by a consumer reporting agency bearing on a\nconsumer's credit worthiness, credit standing or credit capacity which\nis used or expected to be used or collected in whole or in part for the\npurpose of serving as a factor to determine personal lines insurance\npremiums, eligibility for coverage, or tier placement.\n (h) "Insurance score" shall mean a number or rating that is derived\nfrom an algorithm, computer application, model, or other process that is\nbased in whole or in part on credit information for the purposes of\npredicting the future insurance loss exposure of an individual applicant\nor insured.\n (i) "Personal lines insurance" shall mean property/casualty insurance\ncoverage sold to individuals and families for primarily noncommercial\npurposes.\n