§24-149. Short title.
This act shall be known and may be cited as the “Oklahoma Consumer Report Security Freeze Act”. Added by Laws 2006, c. 283, § 1, eff. Jan. 1, 2007.
§24-150. Definitions.
As used in this act: 1. “Consumer” means an individual who is also a resident of this state; 2. “Consumer report” has the meaning ascribed to it in 15 U.S.C., Section 1681a(d); 3. “Consumer reporting agency” has the meaning ascribed to it in 15 U.S.C., Section 1681a(f); 4. “Proper identification” has the meaning ascribed to […]
§24-151. Written request for security freeze – Processing time – Confirmation of freeze and identification number – Disclosures.
A. A consumer may request that a security freeze be placed on his or her consumer report by sending a request in writing by certified mail to a consumer reporting agency at an address designated by the consumer reporting agency to receive such requests. This subsection does not prevent a consumer reporting agency from advising […]
§24-152. Requests to temporarily lift freeze – Time for compliance – Request procedures.
A. If the consumer wishes to allow his or her consumer report to be accessed for a specific period of time while a 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 freeze be temporarily lifted, and […]
§24-153. Mandatory removal or temporary lifting of freeze – Notice to consumer – Third party requests.
A. A consumer reporting agency shall remove or temporarily lift a freeze placed on the consumer report of a consumer only in the following cases: 1. Upon consumer request, pursuant to Sections 4 and 6 of this act; or 2. If the consumer report of the consumer was frozen due to a material misrepresentation of […]
§24-154. Removal of freeze by consumer request – Identification required.
A. A security freeze shall remain in place until the consumer requests, using a method of contact designated by the consumer reporting agency, that the security freeze be removed. A consumer reporting agency shall remove a security freeze within three (3) business days of receiving such a request for removal from the consumer, who provides […]
§24-155. Exceptions.
The provisions of this act do not apply to the use of a consumer credit report by any of the following: 1. A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a […]
§24-156. Fees – Written notice of changes.
A. This act does not prevent a consumer reporting agency from charging a fee of no more than Ten Dollars ($10.00) to a consumer for each freeze, removal of the freeze, or temporary lifting of the freeze for a period of time, regarding access to a consumer credit report. B. A consumer reporting agency shall […]
§24-157. Entities not required to place security freeze.
The following entities are not required to place a security freeze on a consumer report: 1. 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 database […]
§24-158. Notice of rights.
At any time a consumer is required to receive a summary of rights required under Section 1681g of Title 15 of the United States Code, the following notice shall be included: “Oklahoma Consumers Have the Right to Obtain a Security Freeze. You have a right to place a “security freeze” on your credit report, which […]