§ 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. […]
§ 4-112-109. Written confirmation
(a) If a security freeze is in place, a consumer reporting agency shall not change any of the following official information in a credit report without sending a written confirmation of the change to the consumer within thirty (30) days of posting the change to the file of the consumer: (1) Name; (2) Date of […]
§ 4-112-110. Entities not required to place security freeze
The following entities are not required to place a security freeze on a credit report: (1) (A) A consumer reporting agency that acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple consumer reporting agencies and does not maintain a permanent […]
§ 4-110-108. Penalties
Any violation of this chapter is punishable by action of the Attorney General under the provisions of § 4-88-101 et seq.
§ 4-112-111. Notice
At any time that a consumer is required to receive a summary of rights required under 15 U.S.C. § 168lg(c), as it existed on January 1, 2009, the following notice shall be included: “Arkansas Consumers Have the Right to Obtain a Security Freeze. You have the right to place a “security freeze” on your credit […]
§ 4-111-101. Short title
This chapter shall be known and cited as the “Consumer Protection Against Computer Spyware Act”.
§ 4-112-112. Civil action
(a) Any person or entity that willfully fails to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of: (1) Any actual damages sustained by the consumer; and (2) In the case of any successful action to enforce any […]