Okla. Stat. tit. 36, § 36-952

As used in this act:

Oklahoma Statutes - Title 36. Insurance Page 213

1. “Adverse action” means 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 personal insurance;

2. “Affiliate” means any company that controls, is controlled

by, or is under common control with another company;

3. “Applicant” means an individual who has applied to be

covered by a personal insurance policy with an insurer;

4. “Consumer” means an insured whose credit information is used

or whose insurance score is calculated in the underwriting or rating

of a personal insurance policy or an applicant for such a policy;

5. “Consumer reporting agency” means any person which, for

monetary fees, dues, or on a cooperative nonprofit basis, regularly

engages in whole or in part in the practice of assembling or

evaluating consumer credit information or other information on

consumers for the purpose of furnishing consumer reports to third

parties;

6. “Credit information” means any credit-related information

derived from a credit report, found on a credit report itself, or

provided on an application for personal insurance. Information that

is not credit-related shall not be considered "credit information”,

regardless of whether it is contained in a credit report or in an

application, or is used to calculate an insurance score;

7. “Credit report” means any written, oral, or other

communication of information by a consumer reporting agency bearing

on a consumer’s credit worthiness, credit standing or credit

capacity which is used or expected to be used or collected in whole

or in part for the purpose of serving as a factor to determine

personal insurance premiums, eligibility for coverage, or tier

placement;

8. “Insurance score” means a number or rating that is derived

from an algorithm, computer application, model, or other process

that is based in whole or in part on credit information for the

purposes of predicting the future insurance loss exposure of an

individual applicant or insured; and

9. “Personal insurance” means private passenger automobile,

homeowners, motorcycle, mobile-homeowners and noncommercial dwelling

fire insurance policies and boat, personal watercraft, snowmobile

and recreational vehicle policies. Such policies must be

individually underwritten for personal, family or household use. No

other type of insurance shall be included as personal insurance for

the purpose of this act.