Under what conditions may a consumer report be shared for prescreened offers?

• A. When there is a permissible purpose and the consumer has not opted out; appropriate disclosures must be provided.
• B. Only with the consumer's written consent.
• C. Prescreened offers may be shared without disclosures.
• D. If the consumer has opted out, sharing is allowed.

Answer: (A)

Prescreened offers can be shared only when there is a permissible purpose to access the consumer report and the consumer has not opted out of prescreened offers. In addition, the entity using the report must provide clear disclosures that explain the use of the report for prescreening and that the consumer has the right to opt out. The opt-out right is a key protection: if the consumer has opted out, sharing for prescreened offers is not allowed. Written consent is not a mandatory requirement here, because the permissible purpose plus the opt-out and disclosures govern whether the sharing can occur.