To protect against fraud and identity theft, when a credit services organization sends a written communication by facsimile, electronic mail, United States mail, overnight courier, or other means that contains personal information of a consumer, the credit services organization shall redact the personal information to include only the last four digits of the social security number, taxpayer identification number, or state identification number, the last four digits of the financial account number, credit card number, or debit card number, or the month and year of the consumer’s date of birth, unless the inclusion of the full number or date is otherwise required by law, or is legally permissible and required to achieve the desired objective. Redacting information pursuant to this section shall not be considered a violation of RCW 19.134.020(1)(h).

Terms Used In Washington Code 19.134.100

  • Communication: means the conveyance of any information regarding a debt, credit record, credit history, or credit rating, including submitting a dispute or requesting information, directly or indirectly, to any person by any means or through any medium. See Washington Code 19.134.010
  • Consumer: means any natural person who is solicited to purchase or who purchases the services of a credit services organization. See Washington Code 19.134.010
  • Credit services organization: means any person who sells, provides, performs, or represents that the person can or will sell, provide, or perform, in return for the payment of money or other valuable consideration any of the following services:
Washington Code 19.134.010
  • Fraud: Intentional deception resulting in injury to another.
    •   Previous section
    Next section  
     Chapter 19.134 Contents