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Pass-Through Terms

Insurance Data Partners (referred to as "IDP" or owner of the "LicenseView" product) is an authorized reseller of NIPR's Products. “NIPR” stands for National Insurance Producer Registry.

NIPR Products include the following:
  • Producer database detail report (referred to as "PDB" report)

  • Appointments and terminations

  • Non-resident licensing

  • Non-resident licensing renewals

  • Company appointment report

  • Company specialized report

  • Alerts

  • Contact change request

  • Resident licensing

  • Resident licensing renewals

  • Other products as they are made available to customer

NIPR owns, maintains and operates a proprietary database containing licensing and regulatory information on insurance companies and insurance producers (referred to herein as the “Producer Database” or “PDB”) and the applications and services used to perform a business function or process on behalf of the insurance industry including, but not limited to: Appointments and Terminations, and Billing/Credit Card/Electronic Funds Transfers (EFT) (collectively referred to herein as the “NIPR Gateway”). For purposes of this Agreement, “NIPR Requirements” means the NIPR Transaction Layout Document, the Gateway Services Document and PDB XML Documents and the Producer Database, the NIPR Gateway, the NIPR Transaction Layout Documents, the NIPR Requirements, NIPR Marks and NIPR Products, together with any modifications, additions, enhancements or updates to any of the foregoing and any new property or products developed by or for NIPR, are collectively referred to as “NIPR Property.


Customer agrees to the following pass-through terms and conditions required by NIPR: (i) neither Insurance Data Partners, LLC (known as "IDP" which is the owner of the "LicenseView" portal and product") nor NIPR make any representation or warranty with respect to the NIPR Products or the completeness or accuracy of the data in the NIPR Products; (ii) all warranties which extend beyond the description of the NIPR Products are expressly disclaimed, including without limitation, the implied warranties of merchantability and fitness for a particular purpose; (iii) Customer shall not, and shall not have the right to, directly or indirectly offer, sell, make available or otherwise distribute all or any portion of the information from the NIPR Property to any person, entity or organization whatsoever, provided however, that such information may be used by a majority owned subsidiary of Customer, or an agent, consultant or contractor of Customer, but only to the extent necessary to allow such subsidiary, agent, consultant or contractor to directly perform services on behalf of Customer which the Customer has the right to perform itself using such information and only if such subsidiary, agent, consultant or contractor represents and warrants to the Customer that such information shall not be used for any other purpose; and (iv) the language set forth in this Attachment 1.

Customer agrees to the following additional pass-through provisions required by NIPR: (i) Customer authorizes NIPR to obtain information from the Producer Database and provide it to "IDP" for purposes of completing a State DOI Transaction and if the State DOI Transaction is for a producer and the Customer is not the producer, the Customer represents it has obtained the written authorization of the producer to complete and submit a State DOI Transaction on the producer’s behalf; (ii) Customer acknowledges NIPR is not obligated to process a State DOI Transaction until it has received adequate funds to cover the applicable state insurance department fees and NIPR fees associated with processing the Customer’s State DOI Transaction; (iii) Customer acknowledges that all applicable state insurance department fees shall be nonrefundable except as provided for by applicable state law and all applicable NIPR fees shall be nonrefundable; and (iv) the language required by this Attachment 1 and Attachments 1A and 1B). For purposes of this Agreement “State DOI Transaction” shall include any type of application, request or other transaction submitted through the NIPR Gateway including without limitation producer appointments, terminations, report requests, etc.

Fair Credit Reporting Act ("FCRA")


Customer acknowledges NIPR considers the NIPR Producer Database to be subject to the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. (“FCRA”), as amended. Customer shall comply with all applicable terms of the FCRA and shall request consumer reports from the NIPR Producer Database only if Customer has a permissible purpose for obtaining consumer reports, as defined by Section 604 of the FCRA. Customer acknowledges that at the time it requests information on an individual, "IDP" shall identify to NIPR the end user and purpose for the request of the information.

Customer acknowledges receipt of the Notice to Users of Consumer Reports, as prescribed by the Consumer Financial Protection Bureau (“CFPB”), attached hereto as Attachment 1A, and a Summary of Consumer Rights as prescribed by the CFPB, attached hereto as Attachment 1B, as may be updated from time to time by the FCRA.

Customer represents and warrants it is engaged in the business of insurance and has a permissible purpose for obtaining consumer reports, as defined by Section 604 of the Federal Fair Credit Reporting Act (15 U.S.C. § 1681b) as amended by the Consumer Credit Reporting Reform Act of 1996 or as may hereafter be amended, hereinafter called “FCRA”. Customer certifies it will comply with the provisions of the FCRA when requesting and using a consumer report from the Producer Database. A Notice to Users of Consumer Reports, as prescribed by the Consumer Financial Protection Bureau (“CFPB”) is attached hereto as Attachment 1A.


For purposes of this Agreement, the term “consumer report” and “Consumer Report for Employment Purposes” shall have the same meaning as given to these terms by the FCRA.


Customer agrees it will not request a Consumer Report for Employment Purposes unless: (a) a clear and conspicuous disclosure is first made in writing to the individual who is the subject of the consumer report before the report is obtained, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; the individual who is the subject of the consumer report has authorized in writing the procurement of the report; (c) Customer complies with the FCRA in the event it takes adverse action in whole or in part based upon the consumer report and (d) information from the consumer report will not be used in violation of any applicable federal or state equal opportunity law or regulation. For purposes of Customer’s notice obligations in regard to taking adverse action, a Summary of Consumer Rights, as prescribed by the CFPB, is herein attached as Attachment 1B and will be made available to Customer each time it signs off the Producer Database.


Customer agrees it will maintain copies of all written authorizations required herein for a minimum of three (3) years from the date of inquiry. Customer agrees it shall use a consumer report for a one-time use only, and will not disclose the information in the report to any third parties except those involved in the current decision affecting the individual who is the subject of the consumer report.


Customer agrees to indemnify, defend and hold harmless "IDP" and the National Insurance Producer Registry, a Missouri nonprofit corporation (a/k/a NIPR) from and against any liability or claim of any persons that is attributable to Customer’s failure to comply with the applicable provisions of the FCRA.

Attachment 1a
Notice to users of consumer reports: obligations of users under the FCRA


The Federal Fair Credit Reporting Act (FCRA) requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements. This first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations. The FCRA, 15 U.S.C. 1681-168lu, is set forth in full at the Federal Trade Commission’s Internet web site (

Obligations of all users of consumer reports


A. Users Must Have a Permissible Purpose

"IDP" may use Customer’s corporate name and logo in print, online, and electronic promotional materials (for example, as a representative or exemplary customer of "IDP" on the "LicenseView" website.)


  • As ordered by a court or a federal grand jury subpoena. Section 604(a)(l)

  • As instructed by the consumer in writing. Section 604(a)(2)

  • For the extension of credit as a result of an application from a consumer or the review or collection of a consumer’s account. Section 604(a)(3)(A)

  • For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604(a)(3)(B) and 604(b)

  • For the underwriting of insurance as a result of an application from a consumer. Section 604(a)(3)(C)

  • When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604(a)(3)(F)(I)

  • To review a consumer’s account to determine whether the consumer continues to meet the terms of the account. Section 604(a)(3)(F)(ii)

  • To determine a consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status. Section 604(a)(3)(D)

  • For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or prepayment risks associated with an existing credit obligation. Section 604(a)(3)(E)

  • For use by state and local officials in connection with the determination of child support payments, or modifications and enforcement thereof. Sections 604(a)(4) and 604(a)(5)


In addition, creditors and insurers may obtain certain consumer report information for the purpose of making unsolicited offers of credit or insurance. The particular obligations of users of this “prescreened” information are described in Section V below.


B. Users Must Provide Certifications

Section 604(f) of the FCRA prohibits any person from obtaining a consumer report from a consumer reporting agency (CRA) unless the person has certified to the CRA (by a general or specific certification, as appropriate) the permissible purpose(s) for which the report is being obtained and certifies that the report will not be used for any other purpose.


C. Users Must Notify Consumers When Adverse Actions Are Taken


The term “adverse action” is defined very broadly by Section 603 of the FCRA. “Adverse actions” include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact – such as unfavorably changing credit or contract terms or conditions, denying or canceling credit or insurance, offering credit on less favorable terms than requested, or denying employment or promotion.


D. Adverse Actions Based on Information Obtained From a CRA

If a user takes any type of adverse action that is based at least in part on information contained in a consumer report, the user is required by Section 615(a) of the FCRA to notify the consumer. The notification may be done in writing, orally, or by electronic means. It must include the following:


  • The name, address, and telephone number of the CRA (including a toll-free telephone number, if it is a nationwide CRA) that provided the report.

  • A statement that the CRA did not make the adverse decision and is not able to explain why the decision was made.

  • A statement setting forth the consumer’s right to obtain a free disclosure of the consumer’s file from the CRA if the consumer requests the report within 60 days.

  • A statement setting forth the consumer’s right to dispute directly with the CRA the accuracy or completeness of any information provided by the CRA.


E. Adverse Actions Based on Information Obtained From Third Parties Who Are Not Consumer Reporting Agencies


If a person denies (or increases the charge for) credit for personal, family, or household purposes based either wholly or partly upon information from a person other than a CRA, and the information is the type of consumer information covered by the FCRA, Section 615(b)(l) of the FCRA requires that the user clearly and accurately disclose to the consumer his or her right to obtain disclosure of the nature of the information that was relied upon by making a written request within 60 days of notification. The user must provide the disclosure within a reasonable period of time following the consumer’s written request.

F. Adverse Actions Based on Information Obtained From Affiliates


If a person takes an adverse action involving insurance, employment, or a credit transaction initiated by the consumer, based on information of the type covered by the FCRA, and this information was obtained from an entity affiliated with the user of the information by common ownership or control, Section 615(b)(2) requires the user to notify the consumer of the adverse action. The notification must inform the consumer that he or she may obtain a disclosure of the nature of the information relied upon by making a written request within 60 days of receiving the adverse action notice. If the consumer makes such a request, the user must disclose the nature of the information not later than 30 days after receiving the request. (Information that is obtained directly from an affiliated entity relating solely to its transactions or experiences with the consumer, and information from a consumer report obtained from an affiliate are not covered by Section 615(b)(2).)


G. Obligations of users when consumer reports are obtained for employment purposes

If information from a CRA is used for employment purposes, the user has specific duties, which are set forth in Section 604(b) of the FCRA. The user must:

  • Make a clear and conspicuous written disclosure to the consumer before the report is obtained, in a document that consists solely of the disclosure, that a consumer report may be obtained.

  • Obtain prior written authorization from the consumer.

  • Certify to the CRA that the above steps have been followed, that the information being obtained will not be used in violation of any federal or state equal opportunity law or regulation, and that, if any adverse action is to be taken based on the consumer report, a copy of the report and a summary of the consumer’s rights will be provided to the consumer.


Before taking an adverse action, provide a copy of the report to the consumer as well as the summary of the consumer’s rights. (The user should receive this summary from the CRA, because Section 604(b)(l)(B) of the FCRA requires CRAs to provide a copy of the summary with each consumer report obtained for employment purposes.)


H. Obligations of users of investigative consumer reports

Investigative consumer reports are a special type of consumer report in which information about a consumer’s character, general reputation, personal characteristics, and mode of living is obtained through personal interviews. Consumers who are the subjects of such reports are given special rights under the FCRA. If a user intends to obtain an investigative consumer report, Section 606 of the FCRA requires the following:

  • The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise delivered, to the consumer not later than three days after the date on which the report was first requested. The disclosure must include a statement informing the consumer of his or her right to request additional disclosures of the nature and scope of the investigation as described below, and must include the summary of consumer rights required by Section 609 of the FCRA. (The user should be able to obtain a copy of the notice of consumer rights from the CRA that provided the consumer report.)

  • The user must certify to the CRA that the disclosures set forth above have been made and that the user will make the disclosure described below.

  • Upon the written request of a consumer made within a reasonable period of time after the disclosures required above, the user must make a complete disclosure of the nature and scope of the investigation that was requested. This must be made in a written statement that is mailed, or otherwise delivered, to the consumer no later than five days after the date on which the request was received from the consumer or the report was first requested, whichever is later in time.


I. Obligations of users of consumer reports containing medical information

Section 604(g) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report. In the case of medical information being sought for employment purposes, the consumer must explicitly consent to the release of the medical information in addition to authorizing the obtaining of a consumer report generally.


J. Obligations of users of “prescreened” lists

The FCRA permits creditors and insurers to obtain limited consumer report information for use in connection with unsolicited offers of credit or insurance under certain circumstances. Sections 603(1), 604(c), 604(e), and 615(d). This practice is known as “prescreening” and typically involves obtaining a list of consumers from a CRA who meet certain pre­ established criteria. If any person intends to use prescreened lists, that person must (1) before the offer is made, establish the criteria that will be relied upon to make the offer and to grant credit or insurance, and (2) maintain such criteria on file for a three-year period beginning on the date on which the offer is made to each consumer. In addition, any user must provide with each written solicitation a clear and conspicuous statement that:

  • Information contained in a consumer’s CRA file was used in connection with the transaction.

  • The consumer received the offer because he or she satisfied the criteria for credit worthiness or insurability used to screen for the offer.

  • Credit or insurance may not be extended if, after the consumer responds, it is determined that the consumer does not meet the criteria used for screening or any applicable criteria bearing on credit worthiness or insurability, or the consumer does not furnish required collateral.


The consumer may prohibit the use of information in his or her file in connection with future prescreened offers of credit or insurance by contacting the notification system established by the CRA that provided the report. This statement must include the address and toll-free telephone number of the appropriate notification system.


J. Obligations of resellers

Section 607(e) of the FCRA requires any person who obtains a consumer report for resale to take the following steps:

  • Disclose the identity of the end-user to the source CRA.

  • Identify to the source CRA each permissible purpose for which the report will be furnished to the end-user.

  • Establish and follow reasonable procedures to ensure that reports are resold only for permissible purposes, including procedures to obtain:

    • the identity of all end-users;

    •  certifications from all users of each purpose for which reports will be used; and

    •  certifications that reports will not be used for any purpose other than the purpose(s) specified to the Reseller. Resellers must make reasonable efforts to verify this information before selling the report.


I. Liability for violations of the FCRA

Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution, Section 619.

Attachment 1b
A Summary of Your Rights Under the Fair Credit Reporting Act

The Federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every “consumer reporting agency” (CRA). You can find the complete text of the FCRA, 15 U.S.C. 1681-1681u, at the Federal Trade Commission’s web site ( The FCRA gives you specific rights, as outlined below. You may have additional rights under state law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.

  • You must be told if information in your file has been used against you. Anyone who uses information from a CRA to take action against you – such as denying an application for credit, insurance, or employment – must tell you, and give you the name, address, and phone number of the CRA that provided the consumer report.

  • You can find out what is in your file. At your request, a CRA must give you the information in your file, and a list of everyone who has requested it recently. There is no charge for the report if a person has taken action against you because of information supplied by the CRA, if you request the report within 60 days of receiving notice of the action. You also are entitled to one free report every twelve months upon request if you certify that (1) you are unemployed and plan to seek employment within 60 days, or (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise, a CRA may charge you up to eight dollars and fifty cents ($8.50).

  • You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. (The source also must advise national CRAs – to which it has provided the data – of any error.) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRA’s investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change.

    • Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated (as described below) or cannot be verified. If your dispute results in any change to your report, the CRA cannot reinsert into your file a disputed item unless the information source verifies its accuracy and completeness. In addition, the CRA must give you a written notice telling you it has reinserted the item. The notice must include the name, address and phone number of the information source.

    • You can dispute inaccurate items with the source of the information. If you tell anyone – such as a creditor who reports to a CRA – that you dispute an item, they may not then report the information to a CRA without including a notice of your dispute. In addition, once you’ve notified the source of the error in writing, it may not continue to report the information if it is, in fact, an error.

    • Outdated information may not be reported. In most cases, a CRA may not report negative information that is more than seven years old; ten years for bankruptcies.

    • Access to your file is limited. A CRA may provide information about you only to people with a need recognized by the FCRA -usually to consider an application with a creditor, insurer, employer, landlord, or other business.

    • Your consent is required for reports that are provided to employers, or reports that contain medical information. A CRA may not give out information about you to your employer, or prospective employer, without your written consent. A CRA may not report medical information about you to creditors, insurers, or employers without your permission.

    • You may choose to exclude your name from CRA lists for unsolicited credit and insurance offers. Creditors and insurers may use file information as the basis for sending you unsolicited offers of credit or insurance. Such offers must include a toll­ free phone number for you to call if you want your name and address removed from future lists. If you call, you must be kept off the lists for two years. If you request, complete, and return the CRA form provided for this purpose, you must be taken off the lists indefinitely.

    •  You may seek damages from violators. If a CRA, a user or (in some cases) a provider of CRA data, violates the FCRA, you may sue them in state or federal court.


The FCRA gives several different federal agencies authority to enforce the FCRA:

Questions Regarding:
Contact Info:
Activities subject to the Packers and Stockyards Act, 1921
Department of Agriculture Office of Deputy Administrator – GIPSA Washington, DC 20250 202-720-7051
Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission
Department of Transportation Office of Financial Management Washington, DC 20590 202-366-1306
State-chartered banks that are not members of the Federal Reserve System
Federal Deposit Insurance Corporation Division of Compliance & Consumer Affairs Washington, DC 20429 800-934-FDIC
Federal credit unions (words “Federal Credit Union” appear in institution’s name)
National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 703-513-6360
Savings associations and federally chartered savings banks (word “Federal” or initials “F.S.B.” appear m federal institution’s name)
Office of Thrift Supervision Consumer Programs Washington, DC 20552 800-842-6929
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks)
Federal Reserve Board Division of Consumer & Community Affairs Washington, DC 20551 202-452-3693
National banks, federal branches/agencies of foreign banks (word “National” or initials “N.A.” appear in or after bank’s name)
Office of the Comptroller of the Currency Compliance Management Mail Stop 6-6 Washington, DC 20219 800-613-6743
CRAs, creditors and others not listed below
Federal Trade Commission’s Consumer Response Center – FCRA Washington, DC 20580 202-326-3761
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