Section 6-48-1. – Short title.

§ 6-48-1. Short title. This chapter may be cited as “The Consumer Empowerment and Identity Theft Prevention Act of 2006”. History of Section.P.L. 2006, ch. 226, § 1; P.L. 2006, ch. 270, § 1.

Section 6-48-2. – Purpose.

§ 6-48-2. Purpose. This act establishes the right of consumers to protect themselves from identity theft or fraud by conferring upon them the right to voluntarily place a security freeze on their credit report. History of Section.P.L. 2006, ch. 226, § 1; P.L. 2006, ch. 270, § 1.

Section 6-48-3. – Legislative findings.

§ 6-48-3. Legislative findings. The general assembly finds and declares that: (a) Identity theft is a growing menace for consumers in the new economy, as vast quantities of sensitive, personal information has become vulnerable to criminal interception and misuse; (b) Identity theft has become a major law enforcement challenge; (c) An integral part of many […]

Section 6-48-4. – Definitions.

§ 6-48-4. Definitions. As used in this chapter: (a) “Person” means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. (b) “Consumer” means an individual who is also a resident of this state. (c) “Consumer reporting agency” has the meaning ascribed to it in 15 U.S.C. § […]

Section 6-48-5. – Security freeze — Timing, covered entities, cost.

§ 6-48-5. Security freeze — Timing, covered entities, cost. (a)(1) A consumer may elect to place a “security freeze” on his or her credit report by making a request by certified mail to a consumer reporting agency at an address designated by the consumer reporting agency to receive such requests. (2) A consumer reporting agency […]

Section 6-48-6. – Notice of rights.

§ 6-48-6. Notice of rights. Any time that a consumer is required to receive a summary of rights required under section 609 of the federal Fair Credit Reporting Act, (15 U.S.C. § 1681 et. seq.) the following notice shall be included: You may obtain a security freeze on your credit report to protect your privacy […]

Section 6-48-7. – Violations; Penalties.

§ 6-48-7. Violations; Penalties. (a) Any person who willfully fails to comply with any requirement imposed under this chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of: (1) Any actual damages sustained by the consumer as a result of the failure or damages of not […]

Section 6-48-8. – Social security number protection — Effective January 1, 2008.

§ 6-48-8. Social security number protection — Effective January 1, 2008. (a) Except as provided in subsection (c) of this section a person or entity, including a state or local agency, may not do any of the following: (1) Intentionally communicate or otherwise make available to the general public all or part of an individual’s […]

Section 6-48-9. – Severability.

§ 6-48-9. Severability. If any provision of this chapter or the application thereof to any person or circumstances is held invalid, such invalidity shall not affect other provisions or applications of the chapter, which can be given effect without the invalid provision or application, and to this end the provisions of this chapter are declared […]