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By accepting the agreement, subscribers authorize Comcast to obtain credit information from third parties, record that information in the subscriber's file, and share it with third parties for what the agreement characterizes as reasonable business purposes. The agreement states that risk assessments will comply with applicable law and that credit inquiry practices will not discriminate on specified protected characteristics.
This analysis describes what Comcast's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes a subscriber authorization for credit-related data collection and third-party disclosure, with the scope of third-party sharing defined broadly as reasonable business purposes, which may warrant evaluation under FCRA and applicable state credit reporting frameworks.
Interpretive note: The scope of 'reasonable business purposes' for third-party credit disclosure is not further defined in the agreement and requires evaluation against FCRA's specific permissible purpose categories to assess full compliance.
The updated terms now explicitly prohibit the deployment of AI Agents to access, use, interact with, or take action on Comcast services unless Comcast expressly grants permission. This includes automated activities such as obtaining information, making requests, monitoring activity, copying, downloading, scraping, or data mining the services. The agreement also prohibits AI Agents from accepting terms on a user's behalf or engaging in support or sales interactions. Users who currently use automation tools or third-party integrations with Comcast services may need to seek express permission from Comcast or discontinue such automated access.
View change record →The agreement authorizes Comcast to collect credit experience data from third parties and disclose that information to other third parties for reasonable business purposes, with subscribers providing this authorization by accepting the agreement rather than through a separate consent mechanism.
Cross-platform context
See how other platforms handle Credit Inquiry Authorization and Third-Party Disclosure and similar clauses.
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"YOU AUTHORIZE US TO MAKE INQUIRIES AND TO RECEIVE INFORMATION ABOUT YOUR CREDIT EXPERIENCE FROM OTHERS, TO ENTER THIS INFORMATION IN YOUR FILE, AND TO DISCLOSE THIS INFORMATION TO APPROPRIATE THIRD PARTIES FOR REASONABLE BUSINESS PURPOSES. We will not discriminate in the application of our credit inquiries and deposit policy on the basis of race, color, sex, creed, religion, nationality, sexual orientation, or marital status. We (or third-party credit bureaus) will conduct risk assessments in accordance with all applicable laws.Excerpt from Comcast's Terms of Service
REGULATORY LANDSCAPE: This provision directly engages the Fair Credit Reporting Act, which governs the permissible purposes for which consumer credit information may be obtained, used, and shared. The authorization to disclose credit information to 'appropriate third parties for reasonable business purposes' requires evaluation against FCRA's permissible purpose standards. The FTC enforces FCRA against non-bank entities; the CFPB has overlapping enforcement authority for certain financial data practices. GOVERNANCE EXPOSURE: Medium. The breadth of the third-party disclosure authorization, defined as reasonable business purposes, is not further specified in the agreement text and may require evaluation against FCRA's specific permissible purpose categories. The agreement's non-discrimination commitment aligns with FCRA's prohibition on discriminatory use of credit information. JURISDICTION FLAGS: California's Consumer Credit Reporting Agencies Act and similar state credit reporting statutes may impose additional requirements on credit inquiry and disclosure practices beyond FCRA minimums. California residents may have additional rights regarding credit information access and correction under state law. CONTRACT AND VENDOR IMPLICATIONS: The reference to third-party credit bureaus conducting risk assessments indicates that subscriber credit data may flow to credit reporting agencies, which creates data accuracy and dispute resolution obligations under FCRA for both Comcast and the third-party bureaus involved. COMPLIANCE CONSIDERATIONS: Legal teams should assess whether the agreement-embedded authorization for credit inquiry and third-party disclosure satisfies FCRA's consent requirements, and whether the 'reasonable business purposes' standard for disclosure aligns with FCRA's enumerated permissible purpose categories. Data mapping exercises should trace the flow of credit information to identify all third-party recipients.
This provision establishes a subscriber authorization for credit-related data collection and third-party disclosure, with the scope of third-party sharing defined broadly as reasonable business purposes, which may warrant evaluation under FCRA and applicable state credit reporting frameworks.
The agreement authorizes Comcast to collect credit experience data from third parties and disclose that information to other third parties for reasonable business purposes, with subscribers providing this authorization by accepting the agreement rather than through a separate consent mechanism.
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