Section 54-15-3 – Request to consumer reporting agency for security freeze.
54-15-3. Request to consumer reporting agency for security freeze. A person may place a security freeze on that person’s credit report by making a request to a consumer reporting agency in a manner designated by the consumer reporting agency to receive a request for a security freeze. This section does not prevent a consumer reporting […]
Section 54-15-4 – Time for placing security freeze.
54-15-4. Time for placing security freeze. A consumer reporting agency shall place a security freeze on a consumer’s credit report no later than five business days after receiving a written request from the consumer. Source: SL 2006, ch 246, §4.
Section 54-15-5 – Written confirmation of security freeze.
54-15-5. Written confirmation of security freeze. The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within ten business days and shall provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the release of the consumer’s credit […]
Section 54-15-6 – Request for temporary lifting of security freeze.
54-15-6. Request for temporary lifting of security freeze. If any consumer wishes to allow the consumer’s credit report to be accessed for a specific period of time while a freeze is in place, the consumer shall contact the consumer reporting agency at a point of contact designated by the agency to receive such requests, request […]
Section 54-15-7 – Expedited procedures for temporary lifting of security freeze.
54-15-7. Expedited procedures for temporary lifting of security freeze. A consumer reporting agency may develop procedures involving the use of telephone, fax, the internet, or other electronic media to receive and process a request from a consumer to temporarily lift a freeze on that consumer’s credit report in an expedited manner. Source: SL 2006, ch […]
Section 54-15-8 – Conditions for removing or temporarily lifting security freeze.
54-15-8. Conditions for removing or temporarily lifting security freeze. A consumer reporting agency shall remove or temporarily lift a freeze placed on a consumer’s credit report only in the following cases: (1)Upon a consumer’s request pursuant to §54-15-6 or 54-15-11; or (2)When the consumer’s credit report was frozen due to a material misrepresentation of fact […]
Section 54-14-38 – Improper influence on real estate appraisals prohibited–Grounds for discipline.
54-14-38. Improper influence on real estate appraisals prohibited–Grounds for discipline. No mortgage lender, mortgage broker, or mortgage loan originator, required to be licensed or registered by this chapter, with an interest in a real estate transaction or the financing of any loan secured by real estate involving an appraisal assignment may improperly influence or attempt […]
Section 54-14-39 – Conduct not constituting improper influence on real estate appraisals.
54-14-39. Conduct not constituting improper influence on real estate appraisals. No person violates §54-14-38 solely by asking a real estate appraiser to consider additional, appropriate property information, or to provide further detail, substantiation, or explanation for the appraiser’s value conclusion, or to correct errors in the appraisal report, or by withholding payment of an appraisal […]
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 […]
Section 54-14-25.1 – Civil penalty for acting without required license or registration.
54-14-25.1. Civil penalty for acting without required license or registration. The director may impose a civil penalty in an amount not to exceed one thousand dollars upon any person acting as a mortgage lender, mortgage brokerage, mortgage broker, or mortgage loan originator in this state without the required license or registration. Each instance of operating […]