What information can a mortgage holder disclose?
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What information can a mortgage holder disclose?
I am purchasing a mobile home from a real estate agent. I
have decided to move and sell the home. My potential buyer
is taking over the payments. When the potential buyer was
discussing the terms with the agent/owner, the agent
disclosed my payment history and medical history with the
new buyer. Is that a violation of my privacy?
Asked on November 5, 2016 under Real Estate Law, Oregon
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 8 years ago | Contributor
Legally, it is not a violation of your privacy, though understandably, it feels that way. The law does not make your payment history in any way private or confidential--anyone who knows of it can disclose it. And the laws relating to health care information privacy only apply to health care providers, insurers, and in some cases, employers who become aware of it: other people, including the mortgage holder, who are aware of your health issues, medical history, etc. may disclose it freely.
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