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 […]