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MIB Group, Inc (formerly The Medical Information Bureau Inc.) is a cooperative data exchange formed by the North American life insurance industry in 1909. MIB is the only insurance consumer reporting agency in North America and operates a database of medical information on some individuals who have previously applied for health insurance, life insurance, disability insurance, critical illness insurance and long-term care insurance. Not everyone who has applied for insurance is included in MIB's database. MIB Group, Inc. is based in Braintree, Massachusetts. According to the Federal Trade Commission, MIB’s member companies account for 99 percent of the individual life insurance policies and 80 percent of all health and disability policies issued in the United States and Canada.〔 Under the FCRA, is categorized as a "nationwide specialty consumer reporting agency" and must provide annual disclosure of credit reports to all consumers who request their files.〔(【引用サイトリンク】title=MIB Group, Inc. Consumer Guide )〕 ==History and business model== MIB is a membership corporation owned by approximately 500 member insurance companies in the United States and Canada. Once known as the "Medical Information Bureau," it was organized in 1902 to provide fraud protection services to insurers.〔("MIB Group - History of MIB" )〕 From 1902 through 1945, MIB was governed by a sub-committee of the Association of Life Insurance Medical Directors of America (ALIMDA). In 1946, MIB was established as an unincorporated association under New York law. In 1978, it became a Delaware membership corporation. MIB Group, Inc.’s subsidiary operating company, MIB Inc., maintains a confidential consumer database for use by its corporate member companies.〔("MIB.com, About MIB, Inc" )〕 It exchanges personal data about individuals among its corporate members and issues consumer reports. It also provides disclosure to consumers of their MIB files. Despite its size, MIB Group's name is generally not known among the general public. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「MIB Group」の詳細全文を読む スポンサード リンク
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