R.I. Gen. Laws ch. 6-13.1 § 6-13.1-20

As used in this chapter:

(1) "Credit bureau" means any entity or person who or that, 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 credit reports to third parties.


(2)(i) "Credit report" means any written, oral, or other communication of any information
by a credit bureau bearing on a consumer's credit worthiness, credit standing, or
credit capacity, that is used or expected to be used or collected in whole or in part
for the purpose of serving as a factor in establishing the consumer's eligibility
for:


(A) Credit or insurance to be used primarily for personal, family, or household purposes;


(B) Employment purposes; or


(C) Other purposes authorized under the federal Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.


(ii) "Credit report" does not include:


(A) Any report containing information solely as to transactions or experiences between
the consumer and the person making the report;


(B) Any authorization or approval of a specific extension of credit directly or indirectly
by the issuer of a credit card or similar device;


(C) Any report in which a person who has been requested by a third party to make a specific
extension of credit directly or indirectly to a consumer conveys their decision with
respect to that request if the third party advises the consumer of the name and address
of the person to whom the request was made and the person makes the disclosures to
the consumer required under the federal Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.;


(D) Any report containing information solely on a consumer's character, general reputation,
personal characteristics, or mode of living that is obtained through personal interviews
with neighbors, friends, or associates of the consumer reported on, or with others
with whom the consumer is acquainted or who may have knowledge concerning those items
of information, only if the report is not used in granting, extending, or decreasing
credit; or


(E) Any report containing information solely as to transactions or experiences between
the consumer and a healthcare provider for medical debt.


(3) "Medical debt" means an obligation of a consumer to pay an amount for the receipt
of healthcare services as defined by § 27-81-3, products, or devices, owed to a healthcare facility or a healthcare professional
as defined by §§ 27-81-3 and 6-60-1. Medicaid reimbursement and child support orders are excluded from this definition.