Section 609a.1. Definitions

The following words and terms, when used in this chapter, have the following meanings, unless the context clearly indicates otherwise:

Bank verification service—An agency that provides businesses with the ability to verify the validity of a patron’s bank account, a check presented or the history of the bank account.

Casino credit bureau—A consumer reporting agency that provides casinos with reports on a patron’s casino credit accounts.

Consumer credit bureau—A consumer reporting agency that collects information from creditors, lenders, debt collection agencies and the courts on an individual’s borrowing and bill payment habits.

Credit clerk—An employee of the cage or credit department who is responsible for receiving, processing and verifying the information in credit applications from patrons and who does not have authority to grant credit or credit limit increases provided that an employee who has the authority to grant credit may act as a credit clerk but may not grant credit or credit limit increases on an application processed or verified by that employee.

Derogatory information—Information related to a patron’s credit accounts that are partially or completely uncollectible, checks returned unpaid by a patron’s bank, settlements, liens, judgments or any other credit problems of a patron.