The term used to describe the restrictions on furnishing a consumer report that contains medical information is:

• A. privacy restrictions
• B. data protections
• C. agency limitations
• D. furnisher rules

Answer: (C)

The key idea here is how the rules govern when and how a consumer report that includes medical information can be shared. The agencies that maintain consumer reports set specific limits on disclosing medical data. Those exact limits are described as agency limitations—rules imposed by the reporting agencies about furnishing reports that contain medical information. This term distinguishes these CRAs’ own imposed restrictions from broader notions like general privacy restrictions or generic data protections, or from furnisher rules, which cover what a data furnisher can report to the agency. In practice, releasing a report with medical information requires the requester to have a permissible purpose and to follow the agency’s restrictions, protecting the consumer’s medical privacy.