Arkansas Code Title 4, Subtitle 7, Chapter 112 - Arkansas Consumer Report Security Freeze Act

• § 4-112-101 - Title.
  This chapter shall be known and may be cited as the "Arkansas Consumer Report Security Freeze Act".
• § 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...
• § 4-112-103 - Placement of Security Freeze.
  (a) A consumer may request that a security freeze be placed on his or her consumer report by: (1) Sending his or her request...
• § 4-112-104 - Access to Credit Report -- Notification of Unauthorized Access.
  (a) If the consumer wishes to allow his or her credit report to be accessed for a specific period of time while a security...
• § 4-112-105 - Removal of Security Freeze.
  (a) A consumer reporting agency shall remove or temporarily lift a security freeze placed on the credit report of a consumer in the following...
• § 4-112-106 - Consumer Request for Removal of Security Freeze.
  (a) (1) A security freeze shall remain in place until the consumer requests that the security freeze be removed using a method of contact...
• § 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...
• § 4-112-108 - Permissible Fees -- Exception.
  (a) Except as provided in subsection (b) of this section, a consumer reporting agency may charge a consumer a fee of no more than...
• § 4-112-109 - Written Confirmation.
  (a) If a security freeze is in place, a consumer reporting agency shall not change any of the following official information in a credit...
• § 4-112-110 - Entities Not Required to Place Security Freeze.
  The following entities are not required to place a security freeze on a credit report: (1) (A) A consumer reporting agency that acts only...
• § 4-112-111 - Notice.
  At any time that a consumer is required to receive a summary of rights required under 15 U.S.C. § 168lg(c), as it existed on...
• § 4-112-112 - Civil Action.
  (a) Any person or entity that willfully fails to comply with any requirement imposed under this chapter with respect to any consumer is liable...
• § 4-112-113 - Enforcement -- Penalties -- Remedies.
  (a) A violation of this chapter constitutes an unfair act or practice or a deceptive act or practice under § 4-88-101 et seq. pertaining...
• § 4-112-114 - No Prohibition on Advising Third Party that Security Freeze is in Effect.
  This chapter does not prohibit a consumer reporting agency from advising a third party that a security freeze is in effect with respect to...

Last modified: November 15, 2016