Browse Arkansas Code titles and sections
4-112-102. Definitions.
Arkansas Code — all titles (historical 2020) · legal_authorities
4-112-102. Definitions.
As used in this chapter:
(1) “Consumer” means an individual;
(2) “Consumer report” means the same as defined in 15 U.S.C. § 1681a(d) as it existed on January 1, 2009;
(3) “Consumer reporting agency” means the same as defined in 15 U.S.C. § 1681a(f) as it existed on January 1, 2009;
(4) “Credit report” means a consumer report that a consumer reporting agency furnishes to a person that it has reason to believe intends to use the consumer report as a factor in establishing the consumer's eligibility for credit to be used primarily for personal, family, or household purposes;
(5) “Proper identification” means the same as defined in 15 U.S.C. § 1681h(a)(1) as it existed on January 1, 2009;
(6) “Security freeze” means a notice placed in a credit report of a consumer at the request of the consumer that prohibits a consumer reporting agency from releasing the credit report or credit score of the consumer in response to a request to open a new account or to extend credit; and
(7)(A) “Victim of identity theft” means a consumer who supplies to a consumer reporting agency in conjunction with a request for a security freeze a copy of a valid investigative report, an incident report, or a complaint with a law enforcement agency alleging the unlawful use of the consumer's identifying information by another person.
(B) The copy of the valid investigative report, the incident report, or the complaint with a law enforcement agency may be transmitted to the consumer reporting agency by mail or secure electronic connection or secure electronic mail connection if the connection is made available by the consumer reporting agency.
Source: Arkansas Code — historical release 78 (November 6, 2020) · 4-112-102
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:4-112-102
Source file: gov.ar.code.title.04.odt
Pages: Not recorded – Not recorded
Passage SHA-256: 1c7d72e77eb52a65e87c7945f772539b91da145c496de9be97b5b0a2fa4ef950
Source location: content.xml paragraph 38361
Stored source content
4-112-102. Definitions.
As used in this chapter:
(1) “Consumer” means an individual;
(2) “Consumer report” means the same as defined in 15 U.S.C. § 1681a(d) as it existed on January 1, 2009;
(3) “Consumer reporting agency” means the same as defined in 15 U.S.C. § 1681a(f) as it existed on January 1, 2009;
(4) “Credit report” means a consumer report that a consumer reporting agency furnishes to a person that it has reason to believe intends to use the consumer report as a factor in establishing the consumer's eligibility for credit to be used primarily for personal, family, or household purposes;
(5) “Proper identification” means the same as defined in 15 U.S.C. § 1681h(a)(1) as it existed on January 1, 2009;
(6) “Security freeze” means a notice placed in a credit report of a consumer at the request of the consumer that prohibits a consumer reporting agency from releasing the credit report or credit score of the consumer in response to a request to open a new account or to extend credit; and
(7)(A) “Victim of identity theft” means a consumer who supplies to a consumer reporting agency in conjunction with a request for a security freeze a copy of a valid investigative report, an incident report, or a complaint with a law enforcement agency alleging the unlawful use of the consumer's identifying information by another person.
(B) The copy of the valid investigative report, the incident report, or the complaint with a law enforcement agency may be transmitted to the consumer reporting agency by mail or secure electronic connection or secure electronic mail connection if the connection is made available by the consumer reporting agency.
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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**
(1) **Proper identification** — A consumer reporting agency shall require, as a condition of making the disclosures required under [section 1681g of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681g&num=0&edition=prelim), that the consumer furnish proper identification.
(2) **Disclosure in writing** — Except as provided in subsection (b), the disclosures required to be made under [section 1681g of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681g&num=0&edition=prelim) shall be provided under that section in writing.
**(b) Other forms of disclosure**
(1) **In general** — If authorized by a consumer, a consumer reporting agency may make the disclosures required under 11 So in original. Probably should be followed by “section”. 1681g of this title—
(A) other than in writing; and
(B) in such form as may be—
(i) specified by the consumer in accordance with paragraph (2); and
(ii) available from the agency.
(2) **Form** — A consumer may specify pursuant to paragraph (1) that disclosures under [section 1681g of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681g&num=0&edition=prelim) shall be made—
(A) in person, upon the appearance of the consumer at the place of business of the consumer reporting agency where disclosures are regularly provided, during normal business hours, and on reasonable notice;
(B) by telephone, if the consumer has made a written request for disclosure by telephone;
(C) by electronic means, if available from the agency; or
(D) by any other reasonable means that is available from the agency.
**(c) Trained personnel** Any consumer reporting agency shall provide trained person
Source: Supplied U.S. Code snapshot — release unconfirmed · 15 U.S.C. § 1681h
Stored review status: release_metadata_unconfirmed. The source passage cites 15 U.S.C. § 1681h. This identifies an authority to review, not proof of applicability.
Federal law — U.S. Code and appendices · legal_authorities
Page 1588
TITLE 15—COMMERCE AND TRADE
§ 1681h
1 So in original. Probably should be followed by ‘‘section’’.
2 So in original. Probably should be followed by a comma.
see section 2420 of Pub. L. 104–208, set out as a note
under section 1681a of this title.
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 this title.
SIMPLIFIED DISCLOSURE TO MAXIMIZE
COMPREHENSIBILITY AND STANDARDIZATION
Pub. L. 104–208, div. A, title II, § 2408(e)(2), (3), Sept.
30, 1996, 110 Stat. 3009–438, 3009–439, provided that:
‘‘(2) SIMPLIFIED DISCLOSURE.—Not later than 90 days
after the date of enactment of this Act [Sept. 30, 1996],
each consumer reporting agency shall develop a form
on which such consumer reporting agency shall make
the disclosures required under section 609(a) of the Fair
Credit Reporting Act [15 U.S.C. 1681g(a)], for the pur-
pose of maximizing the comprehensibility and stand-
ardization of such disclosures.
‘‘(3) GOALS.—The Federal Trade Commission shall
take appropriate action to assure that the goals of
comprehensibility and standardization are achieved in
accordance with paragraph (2).’’
§ 1681h. Conditions and form of disclosure to
consumers
(a) In general
(1) Proper identification
A consumer reporting agency shall require,
as a condition of making the disclosures re-
quired under section 1681g of this title, that
the consumer furnish proper identification.
(2) Disclosure in writing
Except as provided in subsection (b), the dis-
closures required to be made under section
1681g of this title shall be provided under that
section in writing.
(b) Other forms of disclosure
(1) In
Source: Supplied 2024 U.S. Code historical extraction · 15 U.S.C. § 1681h
Stored review status: historical_2024_not_currentness_verified. The source passage cites 15 U.S.C. § 1681h. This identifies an authority to review, not proof of applicability.