NC H379

Adds Article 2B to North Carolina General Statutes Chapter 75 establishing definitions and regulations for credit reporting agencies handling consumer reports.

Prohibits credit reporting agencies from collecting, storing, reporting, or using ejectment or summary ejectment lawsuits to determine credit scores unless a judgment was entered in favor of the landlord.

Defines key terms including "consumer" (individual), "consumer report" (communications about creditworthiness used for employment, housing, credit, or other authorized purposes), and "credit reporting agency" (entities that assemble consumer credit information for monetary fees or nonprofit basis).

Takes effect October 1, 2023, and applies to credit information collected or reports disbursed on or after that date.