[Rev. 10/22/2025 4:35:11 PM]

CHAPTER 598B - EQUAL OPPORTUNITY FOR CREDIT

[NAC-598B Revised Date: 9-25]

598B.100        Unlawful discrimination based on marital status: “No credit history” interpreted for purposes of statute.

598B.110        Unlawful discrimination based on marital status: Exceptions to requirement to deem credit history of spouse identical to applicant.

598B.120        Unlawful discrimination based on marital status: Interpretation of statute by Commissioner coextensive with rights and responsibilities under federal law.

NAC 598B.100  Unlawful discrimination based on marital status: “No credit history” interpreted for purposes of statute. (NRS 233B.040, 598B.090, 598B.135)  As used in NRS 598B.135, the Commissioner of Financial Institutions will interpret the phrase “no credit history” to mean that the credit report of the applicant does not contain any information concerning any credit transaction.

     (Added to NAC by Comm’r of Financial Institutions by R097-20, eff. 12-29-2020)

NAC 598B.110  Unlawful discrimination based on marital status: Exceptions to requirement to deem credit history of spouse identical to applicant. (NRS 233B.040, 598B.090, 598B.135)  The provisions of NRS 598B.135 do not apply to a creditor with regard to an application for credit if:

     1.  The creditor cannot comply with NRS 598B.135 without violating federal law.

     2.  The creditor cannot legally obtain the credit history of the spouse or former spouse of the applicant as needed to comply with NRS 598B.135.

     3.  The credit history of the spouse or former spouse of the applicant which is needed to comply with NRS 598B.135 is not available to the creditor for any reason beyond the control of the creditor, including, without limitation, when the necessary credit history is no longer retained by a credit reporting agency.

     (Added to NAC by Comm’r of Financial Institutions by R097-20, eff. 12-29-2020)

NAC 598B.120  Unlawful discrimination based on marital status: Interpretation of statute by Commissioner coextensive with rights and responsibilities under federal law. (NRS 233B.040, 598B.090, 598B.135)  Except as otherwise provided in NAC 598B.110, the Commissioner will interpret NRS 598B.135 so that the rights of applicants and the responsibilities of creditors for the purposes of NRS 598B.135 shall be deemed to be coextensive with the respective rights and responsibilities under 12 C.F.R. § 1002.6(b)(6)(iii).

     (Added to NAC by Comm’r of Financial Institutions by R097-20, eff. 12-29-2020)