§ 4-112-113. Enforcement — Penalties — Remedies
(a) A violation of this chapter constitutes an unfair act or practice or a deceptive act or practice under § 4-88-101 et seq. pertaining to deceptive trade practices. (b) (1) All remedies, penalties, and authority granted to the Attorney General under § 4-88-101 et seq. shall be available to the Attorney General for enforcement of […]
§ 4-112-114. No prohibition on advising third party that security freeze is in effect
This chapter does not prohibit a consumer reporting agency from advising a third party that a security freeze is in effect with respect to the credit report of a consumer.
§ 4-112-101. Title
This chapter shall be known and may be cited as the “Arkansas Consumer Report Security Freeze Act”.
§ 4-112-102. Definitions
As used in this chapter: (1) “Consumer” means an individual; (2) “Consumer report” means the same as defined in 15 U.S.C. § 1681a(d) as it existed on January 1, 2009; (3) “Consumer reporting agency” means the same as defined in 15 U.S.C. § 1681a(f) as it existed on January 1, 2009; (4) “Credit report” means […]
§ 4-112-103. Placement of security freeze
(a) A consumer may request that a security freeze be placed on his or her consumer report by: (1) Sending his or her request in writing by mail to a consumer reporting agency; (2) Telephoning his or her request to a consumer reporting agency and providing over the telephone proper identification or certain personal identification […]
§ 4-112-104. Access to credit report — Notification of unauthorized access
(a) If the consumer wishes to allow his or her credit report to be accessed for a specific period of time while a security freeze is in place, he or she shall contact the consumer reporting agency using a method of contact designated by the consumer reporting agency requesting that the security freeze be temporarily […]
§ 4-112-105. Removal of security freeze
(a) A consumer reporting agency shall remove or temporarily lift a security freeze placed on the credit report of a consumer in the following cases: (1) Upon the consumer’s request under § 4-112-104 or § 4-112-106; or (2) If the credit report of the consumer was frozen due to a material misrepresentation of fact by […]
§ 4-112-106. Consumer request for removal of security freeze
(a) (1) A security freeze shall remain in place until the consumer requests that the security freeze be removed using a method of contact designated by the consumer reporting agency. (2) A consumer reporting agency shall remove a security freeze within three (3) business days of receiving a request for removal under subdivision (a)(1) of […]
§ 4-112-107. Exceptions
(a) This chapter does not apply to the use of a credit report by any of the following: (1) (A) A person or an entity, or a subsidiary, an affiliate, or an agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or […]
§ 4-112-108. Permissible fees — Exception
(a) Except as provided in subsection (b) of this section, a consumer reporting agency may charge a consumer a fee of no more than five dollars ($5.00) for the: (1) Initial placement of a security freeze; (2) Removal of a security freeze; or (3) Temporary lifting of a security freeze for a period of time. […]