Browse Arkansas Code titles and sections
17-24-505. Harassment or abuse.
Arkansas Code — all titles (historical 2020) · legal_authorities
17-24-505. Harassment or abuse.
(a) A debt collector may not engage in a conduct the natural consequence of which is to harass, oppress, or abuse a person in connection with the collection of a debt.
(b) Without limiting the general application of subsection (a) of this section, the following conduct is a violation of this section:
(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of a person;
(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader;
(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of 15 U.S.C. § 1681a(f) or 15 U.S.C. § 1681b(3), as they existed on January 1, 2009;
(4) The advertisement for sale of a debt to coerce payment of the debt;
(5) Causing a telephone to ring or engaging a person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass a person at the called number; or
(6) Except as provided in § 17-24-503, the placement of telephone calls without meaningful disclosure of the caller's identity.
Source: Arkansas Code — historical release 78 (November 6, 2020) · 17-24-505
Stored review status: Historical 2020-11-06 source release; later amendments not reconciled; machine-extracted, not independently legally reviewed; source heading status: text_in_historical_source. A text match is a research starting point; applicability is not established.
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Stable record: arkansas_code:legal_authorities:17-24-505
Source file: gov.ar.code.title.17.odt
Pages: Not recorded – Not recorded
Passage SHA-256: 2d06c7d465afca787b7882ac08d8e292a331b024b4e4bcfdd24558fa4137d995
Source location: content.xml paragraph 6327
Stored source content
17-24-505. Harassment or abuse.
(a) A debt collector may not engage in a conduct the natural consequence of which is to harass, oppress, or abuse a person in connection with the collection of a debt.
(b) Without limiting the general application of subsection (a) of this section, the following conduct is a violation of this section:
(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of a person;
(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader;
(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of 15 U.S.C. § 1681a(f) or 15 U.S.C. § 1681b(3), as they existed on January 1, 2009;
(4) The advertisement for sale of a debt to coerce payment of the debt;
(5) Causing a telephone to ring or engaging a person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass a person at the called number; or
(6) Except as provided in § 17-24-503, the placement of telephone calls without meaningful disclosure of the caller's identity.
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Federal law — U.S. Code and appendices · legal_authorities
**(a)** Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
**(b)** The term “person” means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
**(c)** The term “consumer” means an individual.
**(d) Consumer Report.—**
(1) **In general.—** — The term “consumer report” means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer’s eligibility for—
(A) credit or insurance to be used primarily for personal, family, or household purposes;
(B) employment purposes; or
(C) any other purpose authorized under [section 1681b of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681b&num=0&edition=prelim).
(2) **Exclusions.—** — Except as provided in paragraph (3), the term “consumer report” does not include—
(A) subject to [section 1681s–3 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681s-3&num=0&edition=prelim), any—
(i) report containing information solely as to transactions or experiences between the consumer and the person making the report;
(ii) communication of that information among persons related by common ownership or affiliated by corporate control; or
(iii) communication of other information among persons related by common ownership or affiliated by corporate control, if it
Source: Supplied U.S. Code snapshot — release unconfirmed · 15 U.S.C. § 1681a
Stored review status: release_metadata_unconfirmed. The source passage cites 15 U.S.C. § 1681a. This identifies an authority to review, not proof of applicability.
Federal law — U.S. Code and appendices · legal_authorities
Page 1558
TITLE 15—COMMERCE AND TRADE
§ 1681a
1 See References in Text note below.
agencies, but would provide useful information in
determining the credit worthiness of consumers;
and
‘‘(E) any actions that might be taken within a
voluntary reporting system to encourage the re-
porting of the types of transactions described in
subparagraph (D).
‘‘(3) COSTS
AND
BENEFITS.—With respect to each
area of study described in paragraph (2), the Commis-
sion shall consider the extent to which such require-
ments would benefit consumers, balanced against the
cost of implementing such provisions.
‘‘(b) REPORT REQUIRED.—Not later than 1 year after
the date of enactment of this Act [Dec. 4, 2003], the
chairman of the Commission shall submit a report to
the Committee on Banking, Housing, and Urban Affairs
of the Senate and the Committee on Financial Services
of the House of Representatives containing a detailed
summary of the findings and conclusions of the study
under this section, together with such recommenda-
tions for legislative or administrative actions as may
be appropriate.’’
FTC STUDY OF THE ACCURACY OF CONSUMER REPORTS
Pub. L. 108–159, title III, § 319, Dec. 4, 2003, 117 Stat.
1999, provided that:
‘‘(a) STUDY REQUIRED.—Until the final report is sub-
mitted under subsection (b)(2), the Commission shall
conduct an ongoing study of the accuracy and com-
pleteness of information contained in consumer reports
prepared or maintained by consumer reporting agencies
and methods for improving the accuracy and complete-
ness of such information.
‘‘(b) BIENNIAL REPORTS REQUIRED.—
‘‘(1) INTERIM REPORTS.—The Commission shall sub-
mit an interim report to the Congress on the study
conducted under subsection (a) at the end of the 1-
year period beginning on the d
Source: Supplied 2024 U.S. Code historical extraction · 15 U.S.C. § 1681a
Stored review status: historical_2024_not_currentness_verified. The source passage cites 15 U.S.C. § 1681a. This identifies an authority to review, not proof of applicability.
Federal law — U.S. Code and appendices · legal_authorities
**(a) In general** Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(1) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with [section 5318 of title 31](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title31-section5318&num=0&edition=prelim) or [section 3486 of title 18](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title18-section3486&num=0&edition=prelim).
(2) In accordance with the written instructions of the consumer to whom it relates.
(3) To a person which it has reason to believe—
(A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
(B) intends to use the information for employment purposes; or
(C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
(D) intends to use the information in connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status; or
(E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation; or
(F) otherwise has a legitimate business need for the information—
(i) in connection with a business transaction that is i
Source: Supplied U.S. Code snapshot — release unconfirmed · 15 U.S.C. § 1681b
Stored review status: release_metadata_unconfirmed. The source passage cites 15 U.S.C. § 1681b. This identifies an authority to review, not proof of applicability.
Federal law — U.S. Code and appendices · legal_authorities
Page 1563
TITLE 15—COMMERCE AND TRADE
§ 1681b
[amending this section and sections 1681b, 1681c, 1681g,
1681i, 1681k, and 1681s of this title] shall be deemed to
have the same effective date [see section 2420 of Pub. L.
104–208, set out as a note below] as the amendments
made by section 2403 of the Consumer Credit Reporting
Reform Act of 1996 (Public Law 104–208; 110 Stat.
3009–1257 [3009–430]) [amending section 1681b of this
title].’’
EFFECTIVE DATE OF 1996 AMENDMENT
Pub. L. 104–208, div. A, title II, § 2420, Sept. 30, 1996, 110
Stat. 3009–454, provided that:
‘‘(a) IN GENERAL.—Except as otherwise specifically
provided in this chapter [chapter 1 (§§ 2401–2422) of sub-
title D of title II of div. A of Pub. L. 104–208, see Short
Title of 1996 Amendment note set out under section 1601
of this title], the amendments made by this chapter
shall become effective 365 days after the date of enact-
ment of this Act [Sept. 30, 1996].
‘‘(b) EARLY COMPLIANCE.—Any person or other entity
that is subject to the requirements of this chapter may,
at its option, comply with any provision of this chapter
before the date on which that provision becomes effec-
tive under this chapter, in which case, each of the cor-
responding provisions of this chapter shall be fully ap-
plicable to such person or entity.’’
EFFECTIVE DATE OF 1992 AMENDMENT
Pub. L. 102–537, § 2(d), Oct. 27, 1992, 106 Stat. 3532, pro-
vided that: ‘‘The amendments made by this section [en-
acting section 1681s–1 of this title and amending this
section] shall take effect on January 1, 1993.’’
EFFECTIVE DATE
Section effective upon the expiration of one hundred
and eighty days following Oct. 26, 1970, see section
504(d) of Pub. L. 90–321, as added by Pub. L. 91–508, set
out as a note under section 1681 of
Source: Supplied 2024 U.S. Code historical extraction · 15 U.S.C. § 1681b
Stored review status: historical_2024_not_currentness_verified. The source passage cites 15 U.S.C. § 1681b. This identifies an authority to review, not proof of applicability.
Arkansas Code — all titles (historical 2020) · legal_authorities
17-24-503. Acquisition of location information.
A debt collector communicating with a person other than the consumer to acquire location information about the consumer shall:
(1) Identify himself or herself, state that he or she is confirming or correcting location information concerning the consumer, and only if expressly requested, identify his or her employer;
(2) Not state that the consumer owes a debt;
(3) Not communicate with the person more than one (1) time unless:
(A) Requested to do so by the person; or
(B) The debt collector reasonably believes that:
(i) The earlier response of the person is erroneous or incomplete; and
(ii) The person now has correct or complete location information;
(4) Not communicate by postcard;
(5) Not use a language or symbol on a envelope or in the contents of a communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and
(6) After the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of or can readily ascertain the attorney's name and address, not communicate with a person other than that attorney unless the attorney fails to respond to communication from the debt collector within a reasonable period of time.
Source: Arkansas Code — historical release 78 (November 6, 2020) · 17-24-503
Stored review status: Historical 2020-11-06 source release; later amendments not reconciled; machine-extracted, not independently legally reviewed; source heading status: text_in_historical_source. The source passage cites 17-24-503. This identifies an authority to review, not proof of applicability.