Section 14-3706 – Short Title
This subtitle may be cited as the Online Child Safety Act.
Section 14-3503 – Security Procedures
(a) To protect personal information from unauthorized access, use, modification, or disclosure, a business that owns or licenses personal information of an individual residing in the State shall implement and maintain reasonable security procedures and practices that are appropriate to the nature of the personal information owned or licensed and the nature and size of the […]
Section 14-3801 – Definitions
(a) In this subtitle the following words have the meanings indicated. (b) “Consumer” means an individual who, individually or in conjunction with another individual, is solicited for, applies for, or receives a refund anticipation loan or refund anticipation check. (c) “Creditor” means a person who makes a refund anticipation loan or who takes an assignment of a refund […]
Section 14-3504 – Security Breach
(a) In this section: (1) “Breach of the security of a system” means the unauthorized acquisition of computerized data that compromises the security, confidentiality, or integrity of the personal information maintained by a business; and (2) “Breach of the security of a system” does not include the good faith acquisition of personal information by an employee or agent […]
Section 14-3802 – Actions Prohibited Without Compliance With Subtitle
Unless the facilitator has complied with this subtitle, a facilitator, or an officer, agent, employee, or representative of a facilitator, individually or in conjunction or cooperation with another person, may not: (1) Solicit the execution of, process, receive, or accept an application or agreement for a refund anticipation loan or refund anticipation check; or (2) Facilitate the […]
Section 14-3505 – Exclusivity and Preemption
The provisions of this subtitle are exclusive and shall preempt any provision of local law.
Section 14-3803 – Fee Schedules
(a) A facilitator shall display, in a prominent place at each business location of the facilitator, a schedule of the fees charged for facilitating refund anticipation loans and refund anticipation checks. (b) A facilitator shall include on each fee schedule the following: (1) Examples of the annual percentage rate charged for refund anticipation loans in the amounts of: […]
Section 14-3506 – Notification to Credit Reporting Agencies
(a) If a business is required under § 14–3504 of this subtitle to give notice of a breach of the security of a system to 1,000 or more individuals, the business also shall notify, without unreasonable delay, each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis, as defined by 15 […]
Section 14-3804 – Written Disclosures and Loan Procedures
(a) At the time a consumer applies through a facilitator for a refund anticipation loan, the facilitator shall disclose to the consumer, on a form that is separate from the application, in 14 point type, the following: (1) The fee for the refund anticipation loan, including any fee for tax preparation or other fees charged to the […]
Section 14-3507 – Compliance With Subtitle
(a) In this section, “affiliate” means a company that controls, is controlled by, or is under common control with a business described in subsection (c)(1) or (d)(1) of this section. (b) A business that complies with the requirements for notification procedures, the protection or security of personal information, or the destruction of personal information under the rules, […]