Section 54-16-1 – Definitions.
54-16-1. Definitions. Terms used in this chapter mean: (1)”Protected consumer,” a person who is under the age of sixteen years at the time a request for the placement of a security freeze is made or an incapacitated person or a protected person for whom a guardian or conservator has been appointed; (2)”Record,” a compilation of […]
Section 54-15-9 – Treatment of credit or other application as incomplete for denial of limited access to credit information.
54-15-9. Treatment of credit or other application as incomplete for denial of limited access to credit information. If a third party requests access to a consumer credit report on which a security freeze is in effect, and this request is in connection with an application for credit or any other use, and the consumer does […]
Section 54-15-10 – Disclosure of process for placing and temporarily lifting security freeze or allowing limited access to information.
54-15-10. Disclosure of process for placing and temporarily lifting security freeze or allowing limited access to information. If a consumer requests a security freeze, the consumer reporting agency shall disclose the process of placing and temporarily lifting a freeze, and the process for allowing access to information from the consumer’s credit report for a specific […]
Section 54-15-11 – Removal of security freeze–Request for removal.
54-15-11. Removal of security freeze–Request for removal. A security freeze under §54-15-4 shall remain in place until the consumer reporting agency receives a request from the consumer to remove the freeze. A consumer reporting agency shall remove a security freeze within three business days of receiving a request for removal from the consumer. If making […]
Section 54-15-12 – Use of credit report by certain persons and entities not subject to chapter.
54-15-12. Use of credit report by certain persons and entities not subject to chapter. This chapter does not apply to the use of a consumer credit report by any of the following: (1)A person, or a subsidiary, affiliate, or agent of that person, or an assignee of a financial obligation owed by the consumer to […]
Section 54-15-13 – Written confirmation of changes to report while security freeze in place.
54-15-13. Written confirmation of changes to report while security freeze in place. If a security freeze is in place, a consumer reporting agency may not change any name, date of birth, social security number, or address in a consumer credit report without sending a written confirmation of the change to the consumer within thirty days […]
Section 54-15-14 – Resellers of credit information not required to place security freeze.
54-15-14. Resellers of credit information not required to place security freeze. No consumer reporting agency is required to place a security freeze in a consumer credit report if the consumer reporting agency acts only as a reseller of credit information by assembling and merging information contained in the data base of another consumer reporting agency […]
Section 54-15-15 – Certain entities not required to place security freeze .
54-15-15. Certain entities not required to place security freeze. The following entities are not required to place a security freeze in a consumer credit report pursuant to this chapter: (1)A check services or fraud prevention services company, which issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, […]
Section 54-15-16 – Furnishing of information to governmental agency when security freeze in place.
54-15-16. Furnishing of information to governmental agency when security freeze in place. A consumer reporting agency may furnish to a governmental agency a consumer’s name, address, former address, places of employment, or former places of employment even if a security freeze is in place. Source: SL 2006, ch 246, §16.
Section 54-14-40 – Remote work–Requirements.
54-14-40. Remote work–Requirements. An employee of a licensee may work in a remote location other than the business location identified pursuant to §54-14-14, if the licensee: (1)Ensures in-person interactions with consumers are not conducted at the remote location and the remote location is not represented to consumers as a business location; (2)Maintains secure virtual private […]