1. “Adverse action” includes:
(a) The denial of, increase in any charge for or reduction in the amount of insurance for personal, family or household purposes;
(b) The denial of employment or any other decision for employment purposes that adversely affects a current or prospective employee; and
(c) An action or determination with respect to a consumer’s application for credit that is adverse to the interests of the consumer.
2. The term does not include:
(a) A refusal to extend additional credit under an existing credit arrangement if:
(1) The applicant is delinquent or otherwise in default with respect to the arrangement; or
(2) The additional credit would exceed a previously established credit limit; or
(b) A refusal or failure at the point of sale to authorize a specific transaction on an existing account.
(Added to NRS by 1993, 2459)
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