There is a newer version of the Kentucky Revised Statutes
2009 Kentucky Revised Statutes
CHAPTER 367 CONSUMER PROTECTION
367.364 Persons not required to place a security freeze on a consumer report.
Download pdfaccordance with KRS 367.363 to 367.365:
(1) A check services or fraud prevention services company, which issues reports on incidents of fraud or authorizations for the purpose of approving or processing
negotiable instruments, electronic funds transfers, or similar methods of payments; (2) A deposit account information service company, which issues reports regarding account closures due to fraud, substantial overdrafts, automated teller machine
(ATM) 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; (3) A reseller of credit information that assembles or merges information contained in the database of another consumer reporting agency or multiple consumer reporting
agencies, and does not maintain a permanent database of credit information from
which new consumer reports are produced; (4) Any database or file which consists solely of any information adverse to the interests of the consumer, including but not limited to criminal record information,
which is used for fraud prevention or detection, tenant screening, employment
screening, or any purpose permitted by the federal Fair Credit Reporting Act, 15
U.S.C. sec. 1681b; (5) A person to the extent such person offers fraud prevention services that issues reports on incidents of fraud or reports used primarily in the detection or prevention
of fraud; (6) A bank, as defined in 12 U.S.C. sec. 1813(a) or Subtitles 1, 2, and 3 of KRS Chapter 286; (7) A credit union, as defined in 12 U.S.C. sec. 1752 or Subtitle 6 of KRS Chapter 286;
(8) A savings association, as defined in 12 U.S.C. sec. 1813(b), or an association, as defined in Subtitle 5 of KRS Chapter 286; (9) An insurer, as defined in KRS Chapter 304; and
(10) A retail establishment selling its own inventory. Effective: July 12, 2006
History: Created 2006 Ky. Acts ch. 42, sec. 2, effective July 12, 2006.
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