Section 503 – Applicability.
Effective 1/1/2016 13-45-503. Applicability. This part does not apply to the use of a protected consumer’s credit report or record by: (1) a person administering a credit file monitoring subscription service to which: (a) the protected consumer has subscribed; or (b) the protected consumer’s representative has subscribed on the protected consumer’s behalf; (2) a person […]
Section 504 – Security freeze for protected consumer.
Effective 1/1/2016 13-45-504. Security freeze for protected consumer. (1) A consumer reporting agency shall place a security freeze for a protected consumer if: (a) the consumer reporting agency receives a request from the protected consumer’s representative for the placement of the security freeze; and (b) the protected consumer’s representative: (i) submits the request described in […]
Section 505 – Removal of security freeze for protected consumer.
Effective 1/1/2016 13-45-505. Removal of security freeze for protected consumer. (1) To remove a security freeze that is placed under this part, the protected consumer’s representative or the consumer who is subject to a protected consumer security freeze shall: (a) submit a request for the removal of the security freeze to the consumer reporting agency: […]
Section 506 – Fees.
Effective 1/1/2016 13-45-506. Fees. (1) Except as provided in Subsection (2), a consumer reporting agency may not charge a fee for any service performed under this part. (2) A consumer reporting agency may charge a reasonable fee, which does not exceed $5, for each placement or removal of a security freeze under this part, unless: […]
Section 204 – Fees for security freeze.
Effective 5/8/2018 13-45-204. Fees for security freeze. (1) A consumer reporting agency may not charge a fee for placing, removing, or temporarily removing a security freeze. (2) A consumer reporting agency may not charge a fee to download or install a mobile application through which a person places or removes a security freeze. Amended by […]
Section 205 – Changes to information in a credit report subject to a security freeze.
13-45-205. Changes to information in a credit report subject to a security freeze. (1) If a credit report is subject to a security freeze, a consumer reporting agency shall notify the consumer who is the subject of the credit report within 30 days if the consumer reporting agency changes the consumer’s: (a) name; (b) date […]
Section 301 – Protection of personal information.
13-45-301. Protection of personal information. (1) Except as allowed by other law, a person may not display a Social Security number in a manner or location that is likely to be open to public view. (2) The state, or a branch, agency, or political subdivision of the state, may not employ or contract for the […]
Section 401 – Enforcement — Confidentiality agreement — Penalties.
Effective 5/14/2019 13-45-401. Enforcement — Confidentiality agreement — Penalties. (1) The attorney general may enforce the provisions of this chapter. (2) A person who violates a provision of this chapter is subject to a civil fine of: (a) no greater than $2,500 for a violation or series of violations concerning a specific consumer; and (b) […]
Section 201 – Security freeze.
Effective 5/8/2018 13-45-201. Security freeze. (1) As used in this part: (a) “Security freeze” means a prohibition, consistent with the provisions of this section, on a consumer reporting agency’s furnishing of a consumer’s credit report to a third party intending to use the credit report to determine the consumer’s eligibility for credit. (b) “Unique personal […]
Section 202 – Removal of security freeze — Requirements and timing.
Effective 5/8/2018 13-45-202. Removal of security freeze — Requirements and timing. (1) A consumer reporting agency shall remove a security freeze from a consumer’s credit report only if: (a) (i) the consumer reporting agency receives the consumer’s request through the contact method established and required in accordance with Subsection 13-45-201(5); and (ii) the consumer reporting […]