Browse Arkansas Code titles and sections
4-112-107. Exceptions.
Arkansas Code — all titles (historical 2020) · legal_authorities
4-112-107. Exceptions.
(a) This chapter does not apply to the use of a credit report by any of the following:
(1)(A) A person or an entity, or a subsidiary, an affiliate, or an agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or a contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument.
(B) As used in this subdivision (a)(1), “reviewing the account” includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements;
(2) A subsidiary, an affiliate, an agent, an assignee, or a prospective assignee of a person or an entity to which access has been granted for purposes of facilitating the extension of credit or other permissible use;
(3) A state or local agency, law enforcement agency, trial court, or private collection agency acting under a court order, warrant, or subpoena;
(4) A child support agency acting under Title IV-D of the Social Security Act, 42 U.S.C. § 651 et seq., as it existed on January 1, 2009;
(5) The state or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other constitutional or statutory responsibilities if such responsibilities are consistent with a permissible purpose under 15 U.S.C. § 168lb, as it e
Source: Arkansas Code — historical release 78 (November 6, 2020) · 4-112-107
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:4-112-107
Source file: gov.ar.code.title.04.odt
Pages: Not recorded – Not recorded
Passage SHA-256: 6209e4d8bbd06c7b54fc75bd16e9a42790b7b6ca304270a48c898d983e23d5bf
Source location: content.xml paragraph 38454
Stored source content
4-112-107. Exceptions.
(a) This chapter does not apply to the use of a credit report by any of the following:
(1)(A) A person or an entity, or a subsidiary, an affiliate, or an agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or a contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument.
(B) As used in this subdivision (a)(1), “reviewing the account” includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements;
(2) A subsidiary, an affiliate, an agent, an assignee, or a prospective assignee of a person or an entity to which access has been granted for purposes of facilitating the extension of credit or other permissible use;
(3) A state or local agency, law enforcement agency, trial court, or private collection agency acting under a court order, warrant, or subpoena;
(4) A child support agency acting under Title IV-D of the Social Security Act, 42 U.S.C. § 651 et seq., as it existed on January 1, 2009;
(5) The state or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other constitutional or statutory responsibilities if such responsibilities are consistent with a permissible purpose under 15 U.S.C. § 168lb, as it existed on January 1, 2009;
(6) The use of credit information used for purposes permitted under 15 U.S.C. § 1681b(c), as it existed on January 1, 2009;
(7) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed;
(8) Any person or entity for the purpose of providing a consumer with a copy of his or her credit report or credit score upon the request of the consumer;
(9) Any person using the information in connection with the business of insurance; or
(10) A consumer reporting agency for its database or file that is used for one (1) or more of the following:
(A) Maintaining criminal records;
(B) Fraud prevention or detection;
(C) Maintaining personal loss history information; or
(D) Employment, tenant, or individual background screening.
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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.
Federal law — U.S. Code and appendices · legal_authorities
For the purpose of enforcing the support obligations owed by noncustodial parents to their children and the spouse (or former spouse) with whom such children are living, locating noncustodial parents, establishing paternity, obtaining child and spousal support, and assuring that assistance in obtaining support will be available under this part to all children (whether or not eligible for assistance under a State program funded under part A) for whom such assistance is requested, there is hereby authorized to be appropriated for each fiscal year a sum sufficient to carry out the purposes of this part.
Source: Supplied U.S. Code snapshot — release unconfirmed · 42 U.S.C. § 651
Stored review status: release_metadata_unconfirmed. The source passage cites 42 U.S.C. § 651. This identifies an authority to review, not proof of applicability.
Federal law — U.S. Code and appendices · legal_authorities
Page 2272
TITLE 42—THE PUBLIC HEALTH AND WELFARE
§ 651
Stat. 888; amended Dec. 28, 1971, Pub. L. 92–223, § 3(b)(8),
85 Stat. 808; July 18, 1984, Pub. L. 98–369, div. B, title VI,
§ 2663(j)(2)(B)(iv), 98 Stat. 1170, related to rules and regu-
lations.
Section 640, act Aug. 14, 1935, ch. 531, title IV, § 440, as
added Jan. 2, 1968, Pub. L. 90–248, title II, § 204(a), 81
Stat. 888, required annual report.
Section 641, act Aug. 14, 1935, ch. 531, title IV, § 441, as
added Jan. 2, 1968, Pub. L. 90–248, title II, § 204(a), 81
Stat. 888; amended Dec. 28, 1971, Pub. L. 92–223, § 3(b)(9),
85 Stat. 808; July 18, 1984, Pub. L. 98–369, div. B, title VI,
§ 2663(c)(9), (j)(2)(B)(v), 98 Stat. 1166, 1170, related to
evaluation and research.
Section 642, act Aug. 14, 1935, ch. 531, title IV, § 442, as
added Jan. 2, 1968, Pub. L. 90–248, title II, § 204(a), 81
Stat. 888; amended Dec. 28, 1971, Pub. L. 92–223, § 3(b)(10),
85 Stat. 808, related to technical assistance for pro-
viders of employment or training.
Section 643, act Aug. 14, 1935, ch. 531, title IV, § 443, as
added Jan. 2, 1968, Pub. L. 90–248, title II, § 204(a), 81
Stat. 888; amended Dec. 28, 1971, Pub. L. 92–223, § 3(b)(11),
85 Stat. 808; July 18, 1984, Pub. L. 98–369, div. B, title VI,
§ 2663(j)(2)(B)(vi), 98 Stat. 1170, related to collection of
State share.
Section 644, act Aug. 14, 1935, ch. 531, title IV, § 444, as
added Jan. 2, 1968, Pub. L. 90–248, title II, § 204(a), 81
Stat. 889; amended Dec. 28, 1971, Pub. L. 92–223, § 3(b)(12),
85 Stat. 808; July 18, 1984, Pub. L. 98–369, div. B, title VI,
§ 2663(c)(10), (j)(2)(B)(vii), 98 Stat. 1166, 1170, related to
agreements with other agencies providing assistance to
families of unemployed parents.
Section 645, act Aug. 14, 1935, ch. 531, title IV,
Source: Supplied 2024 U.S. Code historical extraction · 42 U.S.C. § 651
Stored review status: historical_2024_not_currentness_verified. The source passage cites 42 U.S.C. § 651. This identifies an authority to review, not proof of applicability.