Utah § 13-45-504 - Security freeze for protected consumer.
Full text of Utah Utah Code § 13-45-504 — Security freeze for protected consumer., with citation guidance and answers to common questions.
§ 13-45-504. Security freeze for protected consumer.
Effective 1/1/2016 13-45-504.
Security freeze for protected consumer.
(1)
A consumer reporting agency shall place a security freeze for a protected consumer if:
(a)
the consumer reporting agency receives a request from the protected consumer's representative for the placement of the security freeze; and
(b)
the protected consumer's representative:
(i)
submits the request described in Subsection (1)(a):
(A)
to the address or other point of contact provided by the consumer reporting agency; and
(B)
in the manner specified by the consumer reporting agency;
(ii)
submits to the consumer reporting agency:
(A)
sufficient proof of identification of the protected consumer;
(B)
sufficient proof of identification of the protected consumer's representative; and
(C)
sufficient proof of authority to act on behalf of the protected consumer; and
(iii)
if applicable, pays the consumer reporting agency a fee described in Subsection 13-45-506(2).
(2)
If a consumer reporting agency does not have a file that pertains to a protected consumer when the consumer reporting agency receives a request described in Subsection (1), the consumer reporting agency shall create a record for the protected consumer.
(3)
A consumer reporting agency shall place a security freeze for a protected consumer within 30 days after the day on which the consumer reporting agency receives a request described in Subsection (1).
(4)
After a consumer reporting agency places a security freeze under this section, the consumer reporting agency may not release the protected consumer's credit report, any information derived from the protected consumer's credit report, or any record created for the protected consumer, unless the security freeze for the protected consumer is removed in accordance with Section 13-45-505.
(5)
A security freeze that is placed in accordance with this section shall remain in effect until:
(a)
the protected consumer's representative or the consumer who is subject to a protected consumer security freeze requests the consumer reporting agency remove the security freeze in accordance with Subsection 13-45-505(1); or
(b)
the security freeze is removed in accordance with Subsection 13-45-505(3).
Section 13-45-504 ("Security freeze for protected consumer.") 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 § 13-45-504?
A common citation format is "Utah Code § 13-45-504" (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 § 13-45-504 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.
