 MIB reports are regulated by the Fair Credit Reporting Act and consumers (US and Canadian) can request disclosure of their MIB report, should they have one, for free once each year (visit www.mib.com for complete disclosure information).Consumers can request an additional free copy only after they have had an adverse action taken against them by an insurance company after applying for an insurance policy.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.