§ 445.2521 Placement of security freeze on consumer’s credit report; conditions
§ 445.2521.amended Placement of security freeze on consumer’s credit report; conditions; days
§ 445.2522 Placement of security freeze on consumer’s credit report; duties of consumer reporting agency
§ 445.2523 Release of credit report or information; express prior authorization required
§ 445.2524 Temporary lifting of security freeze
§ 445.2524.amended Temporary lifting of security freeze
§ 445.2525 Incomplete credit application
§ 445.2526 Duration of security freeze
§ 445.2527 Removal of security freeze
§ 445.2527.amended Removal of security freeze

Terms Used In Michigan Laws > Chapter 445 > Act 229 of 2013 > Article 2

  • Consumer: means an individual who resides in this state. See Michigan Laws 445.2512
  • Consumer reporting agency: means any person that, for monetary fees or dues or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing credit reports to third parties and that uses any means or facility of interstate commerce for the purpose of preparing or furnishing credit reports. See Michigan Laws 445.2512
  • Credit report: means any written, oral, or other communication of any information by a consumer reporting agency that is related to a consumer's creditworthiness, credit standing, or credit capacity, and is issued 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 credit. See Michigan Laws 445.2512
  • in writing: shall be construed to include printing, engraving, and lithographing; except that if the written signature of a person is required by law, the signature shall be the proper handwriting of the person or, if the person is unable to write, the person's proper mark, which may be, unless otherwise expressly prohibited by law, a clear and classifiable fingerprint of the person made with ink or another substance. See Michigan Laws 324.51502
  • person: may extend and be applied to bodies politic and corporate, as well as to individuals. See Michigan Laws 324.30503
  • Security freeze: means a restriction placed on a consumer's credit report at the request of the consumer that prohibits a consumer reporting agency from releasing the consumer's credit report or any information derived from the consumer's credit report without the express authorization of or on behalf of the consumer. See Michigan Laws 445.2512
  • state: when applied to the different parts of the United States, shall be construed to extend to and include the District of Columbia and the several territories belonging to the United States; and the words "United States" shall be construed to include the district and territories. See Michigan Laws 324.51501
  • Sufficient proof of identification: means information or documentation that identifies a consumer, a protected consumer, or a representative of a protected consumer, including, but not limited to, any of the following:

    (i) A social security number or a copy of a social security card issued by the social security administration. See Michigan Laws 445.2512