Section 445.2522 – Placement of Security Freeze on Consumer’s Credit Report; Duties of Consumer Reporting Agency.
445.2522 Placement of security freeze on consumer’s credit report; duties of consumer reporting agency. Sec. 12. Within 5 business days after placing a security freeze on a consumer’s credit report under section 11, the consumer reporting agency shall do all of the following: (a) Send a written confirmation of the security freeze to the consumer. […]
Section 445.2523 – Release of Credit Report or Information; Express Prior Authorization Required.
445.2523 Release of credit report or information; express prior authorization required. Sec. 13. Except as provided in section 14, if a security freeze is in place, a consumer reporting agency may not release a consumer’s credit report or any information derived from a consumer’s credit report without the express prior authorization of the consumer. History: […]
Section 445.2524 – Temporary Lifting of Security Freeze.
445.2524 Temporary lifting of security freeze. Sec. 14. (1) A consumer who does all of the following may temporarily lift a security freeze to allow access to the consumer’s credit report by a specific person or for a specific period of time while the security freeze is in place: (a) Contacts the consumer reporting agency […]
Section 445.2525 – Incomplete Credit Application.
445.2525 Incomplete credit application. Sec. 15. If, in connection with an application for credit or for any other use, a person requests access to a consumer’s credit report while a security freeze is in place and the consumer does not authorize access to the consumer’s credit report, the person may treat the application as incomplete. […]
Section 445.2511 – Short Title.
445.2511 Short title. Sec. 1. This act shall be known and may be cited as the “security freeze act”. History: 2013, Act 229, Eff. Jan. 1, 2014
Section 445.2512 – Definitions.
445.2512 Definitions. Sec. 2. As used in this act: (a) “Consumer” means an individual who resides in this state. (b) “Consumer reporting agency” means any person that, for monetary fees or dues or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information […]
Section 445.2513 – Inapplicability of Article 2 to Certain Entities or Uses.
445.2513 Inapplicability of Article 2 to certain entities or uses. Sec. 3. Article 2 does not apply to any of the following entities or uses: (a) A person, or a subsidiary, affiliate, agent, or assignee of a person, with which the consumer has, or before assignment had, an account, contract, or debtor-creditor relationship, for the […]
Section 445.2514 – Inapplicability of Article 3 to Certain Entities or Uses.
445.2514 Inapplicability of Article 3 to certain entities or uses. Sec. 4. Article 3 does not apply to any of the following entities or uses: (a) A person that is acting under a court order, warrant, or subpoena. (b) A person that administers a credit file monitoring subscription service to which a consumer or protected […]