Full text of Utah Utah Code § 13-45-503 — Applicability., with citation guidance and answers to common questions.
§ 13-45-503. Applicability.
Effective 1/1/2016
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:
| (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
Frequently Asked Questions About Utah § 13-45-503
What does Utah Code § 13-45-503 cover?
Section 13-45-503 ("Applicability.") is part of the Utah Code, the codified statutory law of Utah. 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 Utah § 13-45-503?
A common citation format is "Utah Code § 13-45-503" (Utah). 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 Utah law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Utah official source linked on this page or consult a licensed Utah attorney.
How does Utah § 13-45-503 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Utah can advise on how this section applies to you. Contact your state or local bar association for a referral.
