Utah Code 13-45-503. Applicability

13-45-503. Applicability.
This part does not apply to the use of a protected consumer‘s credit report or record by:

(1)

a person administering a credit file monitoring subscription service to which:

Terms Used In Utah Code 13-45-503

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
Fraud: Intentional deception resulting in injury to another.
Person: means :Utah Code 68-3-12.5
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 Representative: means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer. See Utah Code 13-45-102
(a)	the protected consumer has subscribed; or

(b)	the protected consumer’s representative has subscribed on the protected consumer’s behalf;

(2)	a person who, upon request from the protected consumer or the protected consumer’s representative, provides the protected consumer or the protected consumer’s representative with a copy of the protected consumer’s credit report;

(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 information regarding an individual to inquiring banks or other financial institutions for use only in reviewing an individual’s request for a deposit account at the inquiring bank or financial institution;

(5)	an insurance company for the purpose of conducting the insurance company’s ordinary business;

(6)

a consumer reporting agency that:

(a)	only resells credit information by assembling and merging information contained in a database of another consumer reporting agency or multiple consumer reporting agencies; and

(b)	does not maintain a permanent database of credit information from which new credit reports are produced; or

(7)

a consumer reporting agency’s database or file that consists of information that:

(a)

concerns and is used for:

(i)	criminal record information;

(ii)	fraud prevention or detection;

(iii)

personal loss history information; or

(iv)	employment, tenant, or individual background screening; and

(b)	is not used for credit granting purposes.

Enacted by Chapter 191, 2015 General Session

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