FIR may submit the name of an obligor and the amount of an overpayment not recovered to a consumer credit reporting agency. FIR may submit the obligor's name only if the overpayment was established by judicial or administrative action, by agreement of the obligor and the department, or by operation of law and only upon prior notice to the obligor.
10- 144 C.M.R. ch. 400, § 2-6