Utah Code 13-45-502. Definitions

13-45-502. Definitions.
As used in this part, “security freeze” means:

(1)

if a consumer reporting agency does not have a file that pertains to a protected consumer, a restriction that:

Consumer: means an individual who is not a protected consumer. See Utah Code 13-45-102
Consumer reporting agency: means a person who, for fees, dues, or on a cooperative basis, regularly engages in whole or in part in the practice of assembling or evaluating information concerning a consumer's credit or other information for the purpose of furnishing a credit report to another person. See Utah Code 13-45-102
Credit report: A detailed report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. ^{Source: OCC}
Credit report: means a consumer report, as defined in 15 U. See Utah Code 13-45-102
File: is a s defined in 15 U. See Utah Code 13-45-102
Protected consumer: means an individual who, at the time a request for a security freeze is made, is:

(a)	less than 16 years of age;

(b)	an incapacitated person; or

(c)

a protected person. See Utah Code 13-45-102

Record: means a compilation of information that:

(a)	identifies a protected consumer;

(b)	is created by a consumer reporting agency solely for the purpose of complying with this section; and

(c)	may not be created or used to consider the protected consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See Utah Code 13-45-102
(a)	is placed on the protected consumer’s record in accordance with this part; and

(b)	except as otherwise provided in this part, prohibits the consumer reporting agency from releasing the protected consumer’s record; or

(2)

if a consumer reporting agency has a file that pertains to the protected consumer, a restriction that:

(a)	is placed on the protected consumer’s credit report in accordance with this part; and

(b)	except as otherwise provided in this part, prohibits the consumer reporting agency from releasing the protected consumer’s credit report or any information derived from the protected consumer’s credit report.

Enacted by Chapter 191, 2015 General Session