Okla. Stat. tit. 36, § 36-956
This is the official text of Okla. Stat. tit. 36, § 36-956, part of Oklahoma’s Stat. tit. 36, — part of the compiled statutory law of Oklahoma, published by the state as "Stat. tit. 36,." Browse the sections below, each linked to its official government source.
Not legal advice. This page reproduces the official text of a government statute for reference only. Laws change, and how a statute applies depends on your specific facts. For advice about your situation, consult a licensed attorney in your state.
Adverse action based upon credit information -
Official statutory text
Notification to consumer.
If an insurer takes an adverse action based upon credit
information, the insurer shall:
1. Provide notification to the consumer that an adverse action
has been taken, in accordance with the requirements of the federal
Fair Credit Reporting Act, 15 USC 1681m(a); and
2. Provide notification to the consumer explaining the reason
for the adverse action. The reasons must be provided in
sufficiently clear and specific language so that a person can
Oklahoma Statutes - Title 36. Insurance Page 218
identify the basis for the insurer’s decision to take an adverse
action. Such notification shall include a description of up to four
factors that were the primary influences of the adverse action. The
use of generalized terms such as “poor credit history”, “poor credit
rating”, or “poor insurance score” does not meet the explanation
requirements of this subsection. Standardized credit explanations
provided by consumer reporting agencies or other third-party vendors
are deemed to comply with this section.
If an insurer takes an adverse action based upon credit
information, the insurer shall:
1. Provide notification to the consumer that an adverse action
has been taken, in accordance with the requirements of the federal
Fair Credit Reporting Act, 15 USC 1681m(a); and
2. Provide notification to the consumer explaining the reason
for the adverse action. The reasons must be provided in
sufficiently clear and specific language so that a person can
Oklahoma Statutes - Title 36. Insurance Page 218
identify the basis for the insurer’s decision to take an adverse
action. Such notification shall include a description of up to four
factors that were the primary influences of the adverse action. The
use of generalized terms such as “poor credit history”, “poor credit
rating”, or “poor insurance score” does not meet the explanation
requirements of this subsection. Standardized credit explanations
provided by consumer reporting agencies or other third-party vendors
are deemed to comply with this section.
Status: in_force · Read it on the official government site
Need a lawyer in Oklahoma?
Find a Oklahoma lawyer
About this page: Statute text is reproduced from official government publishers via the
Open US Law dataset
(Vaquill AI, snapshot v2026.08, CC BY 4.0). Primary legislative text like this is public domain under the government-edicts doctrine
(Georgia v. Public.Resource.Org, 2020). We link every section back to its official source so you can verify it independently.