Alaska § 45.48.290 - Definitions.
Full text of Alaska Alaska Statutes § 45.48.290 — Definitions., with citation guidance and answers to common questions.
§ 45.48.290. Definitions.
In AS 45.48.100 — 45.48.290, (1) “account review” means activities related to account maintenance, account monitoring, credit line increases, and account upgrades and enhancements;
(2) “consumer” means an individual who is the subject of a credit report or credit score;
(3) “consumer credit reporting agency” has the meaning given in AS 45.48.990 , but does not include a person who issues reports (A) on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payments; or
(B) regarding account closures because of fraud, substantial overdrafts, automated teller machine abuse, or similar negative information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing consumer requests for deposit accounts at the inquiring banks or financial institutions;
(4) “reseller of consumer information” means a person who assembles and merges information contained in the databases of consumer credit reporting agencies and does not maintain a permanent database of consumer information from which new consumer credit reports are produced;
(5) “security freeze” means a prohibition against a consumer credit reporting agency's releasing a consumer's credit report or credit score without the express authorization of the consumer;
(6) “third party” means a person who is not (A) the consumer who is the subject of the consumer's credit report or credit score; or
(B) the consumer credit reporting agency that is holding the consumer's credit report or credit score.
Article 3. Protection of Social Security Number.
Frequently Asked Questions About Alaska § 45.48.290
What does Alaska Statutes § 45.48.290 cover?
Section 45.48.290 ("Definitions.") is part of the Alaska Statutes, the codified statutory law of Alaska. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Alaska § 45.48.290?
A common citation format is "Alaska Statutes § 45.48.290" (Alaska). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Alaska law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Alaska official source linked on this page or consult a licensed Alaska attorney.
How does Alaska § 45.48.290 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Alaska can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Alaska.