Indiana Code 24-5-24.5-10. Exceptions to application
(1) a person administering a credit file monitoring subscription service to which:
Terms Used In Indiana Code 24-5-24.5-10
- consumer: means an individual whose principal residence is in Indiana. See Indiana Code 24-5-24.5-1
- consumer report: has the meaning set forth in IC 24-5-24-2. See Indiana Code 24-5-24.5-2
- consumer reporting agency: has the meaning set forth in IC 24-5-24-3. See Indiana Code 24-5-24.5-3
- Fraud: Intentional deception resulting in injury to another.
- protected consumer: means an individual who is:
Indiana Code 24-5-24.5-4
- record: means a compilation of information that:
Indiana Code 24-5-24.5-5
- representative: means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer. See Indiana Code 24-5-24.5-6
(B) the representative of the protected consumer has subscribed on behalf of the protected consumer;
(2) a person providing the protected consumer or the protected consumer’s representative with a copy of the protected consumer’s consumer report on request of the protected consumer or the protected consumer’s representative;
(3) a check services or fraud prevention services company that issues:
(A) reports on incidents of fraud; or
(B) authorizations for the purpose of approving, or processing negotiable instruments, electronic funds transfers, or similar payment methods;
(4) a deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, automated teller machine abuse, or similar negative information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution;
(5) an insurance company for the purpose of conducting its ordinary business;
(6) a consumer reporting agency that:
(A) acts only to resell credit information by assembling and merging information contained in a data base of another consumer reporting agency or multiple consumer reporting agencies; and
(B) does not maintain a permanent data base of credit information from which new credit reports are produced; or
(7) a consumer reporting agency’s database or file that consists of the following information concerning, and used for, one (1) or more of the following, but not for credit granting purposes:
(A) Criminal record information.
(B) Fraud protection or detection.
(C) Personal loss history information.
(D) Employment, tenant, or individual background screening.
As added by P.L.65-2014, SEC.9.