2013 Kentucky Revised Statutes
CHAPTER 367 - CONSUMER PROTECTION
367.363 Definitions for KRS 367.363 to 367.365.

Download as PDF 367.363 Definitions for KRS 367.363 to 367.365. As used in KRS 367.363 to 367.365, unless the context requires otherwise: (1) "Clear and proper identification" means information generally deemed sufficient to identify a person. If the consumer is unable to reasonably identify himself or herself with such information, a consumer reporting agency may require additional information to verify his or her identity; (2) "Consumer report" means a consumer report, as defined in the federal Fair Credit Reporting Act, 15 U.S.C. sec. 1681a(d); (3) "Consumer reporting agency" means a consumer reporting agency as defined by the federal Fair Credit Reporting Act, 15 U.S.C. sec. 1681a(f). "Consumer reporting agency" shall not mean a check acceptance service which provides check approval and guarantees services to merchants; and (4) "Security freeze" means a notice placed on a consumer file, at the request of the consumer and subject to certain exceptions, that prohibits a consumer reporting agency from releasing the consumer's consumer report or credit score relating to the extension of credit without the express authorization of the consumer. Effective:July 12, 2006 History: Created 2006 Ky. Acts ch. 42, sec. 1, effective July 12, 2006.