# Mont. Code Ann. § 33-18-608: 33-18-608 Adverse action notification

> Montana · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-608

## Section

- **Citation:** Mont. Code Ann. § 33-18-608
- **Heading:** 33-18-608 Adverse action notification
- **Jurisdiction:** Montana
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** MT Code / Title 33 / Chapter 18 / Part 6 / Section 33-18-608

## Text

33-18-608 . Adverse action notification. 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 U.S.C. 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 identify the basis for the insurer's decision to take an adverse action. The notification must 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 considered to comply with this section.

## Nearby sections

- [Mont. Code Ann. § 33-18-601 33-18-601 Short title](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-601.md)
- [Mont. Code Ann. § 33-18-602 33-18-602 Purpose](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-602.md)
- [Mont. Code Ann. § 33-18-603 33-18-603 Scope](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-603.md)
- [Mont. Code Ann. § 33-18-604 33-18-604 Definitions](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-604.md)
- [Mont. Code Ann. § 33-18-605 33-18-605 Use of credit information](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-605.md)
- [Mont. Code Ann. § 33-18-606 33-18-606 Dispute resolution and error correction](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-606.md)
- [Mont. Code Ann. § 33-18-607 33-18-607 Initial notification](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-607.md)
- [Mont. Code Ann. § 33-18-608 33-18-608 Adverse action notification](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-608.md)
- [Mont. Code Ann. § 33-18-609 33-18-609 Filing](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-609.md)
- [Mont. Code Ann. § 33-18-610 33-18-610 Indemnification](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-610.md)
- [Mont. Code Ann. § 33-18-611 33-18-611 Sale of policy term information by consumer reporting agency](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-611.md)
- [Mont. Code Ann. § 33-18-612 33-18-612 Refund for expunged record](https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-612.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_MT_T33_C18_P6_S33-18-608. Check the current official text before relying on it. Not legal advice.