714G.1 Definitions. For the purposes of this chapter, unless the context otherwise requires:1. 'Consumer' means an individual who is a resident of this state sixteen years of age or older who does not otherwise meet the definition of a protected consumer and who is notsubject to a protected consumer security freeze. 2. 'Consumer credit report' means a consumer report, as defined in 15 U.S.C. §1681a, that is used or collected in whole or in part for the purpose of serving as a factor in establishing aconsumer’s eligibility for credit for personal, family, or household purposes. 3. 'Consumer reporting agency' means the same as defined in 15 U.S.C. §1681a(f). A consumer reporting agency does not include any of the following: a. A check service or fraud prevention service company that reports on incidents of fraud or issues authorizations for the purpose of approving or processing negotiable instruments,electronic fund transfers, or similar methods of payment. b. A deposit account information service company that issues reports regarding account closures due to fraud, overdrafts, automated teller machine abuse, or similar negativeinformation regarding a consumer to inquiring financial ion service company that issues reports regarding account closures due to fraud, overdrafts, automated teller machine abuse, or similar negativeinformation regarding a consumer to inquiring financial institutions for use only in reviewingthe consumer’s request for a deposit account at the inquiring financial institution. c. Any person or entity engaged in the practice of assembling and merging information contained in a database of one or more consumer reporting agencies and does not maintaina permanent database of credit information from which new consumer reports are produced. d. A company that maintains a database or file that consists of any of the following information which is used for purposes unrelated to the granting of credit: (1) Criminal history information.(2) Information relating to employment, rental history, or a background check.4. 'Identification information' means as defined in section 715A.8.5. 'Identity theft' means as used in section 715A.8.6. 'Normal business hours' means Sunday through Saturday, between the hours of 6:00 a.m. and 9:30 p.m., central standard time or central daylight saving time. 7. heft' means as used in section 715A.8.6. 'Normal business hours' means Sunday through Saturday, between the hours of 6:00 a.m. and 9:30 p.m., central standard time or central daylight saving time. 7. 'Proper identification' means the same as defined in 15 U.S.C. §1681h(a)(1).8. 'Protected consumer' means an individual who is either under sixteen years of age at the time a request for a protected consumer security freeze is made for the individual or isan incapacitated person or a protected person for whom a guardian or conservator has beenappointed. 9. 'Protected consumer security freeze' means one of the following:a. If a consumer reporting agency does not have a file pertaining to a protected consumer, a restriction that is placed on the protected consumer’s record in accordance withsection 714G.8A that prohibits the consumer reporting agency from releasing the protectedconsumer’s record except as provided in that section. b. If a consumer reporting agency has a file pertaining to a protected consumer, a restriction that is placed on the protected consumer’s consumer credit report in accordancewith section 714G.8A that prohibits the consumer reporting agency from releasing to a protected consumer, a restriction that is placed on the protected consumer’s consumer credit report in accordancewith section 714G.8A that prohibits the consumer reporting agency from releasing theprotected consumer’s consumer credit report or any information derived from the protectedconsumer’s consumer credit report except as provided in that section. 10. 'Record' means a compilation of information that includes or satisfies all of the following: a. Identifies a protected consumer.b. Is created by a consumer reporting agency solely for the purpose of complying with section 714G.8A. c. Is not created or used to consider the protected consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode ofliving. 11. 'Representative' means a protected consumer’s parent, guardian, or custodian who provides to a consumer reporting agency sufficient proof of authority to act on behalf of aprotected consumer. 12. 'Security freeze' means a notice placed in a consumer credit report, at the request of Sat Dec 23 12:29:53 2023 Iowa Code 2024, Section 714G.1 (19, 0) §714G.1, CONSUMER CREDIT SECURITY 2 the consumer and subject eeze' means a notice placed in a consumer credit report, at the request of Sat Dec 23 12:29:53 2023 Iowa Code 2024, Section 714G.1 (19, 0) §714G.1, CONSUMER CREDIT SECURITY 2 the consumer and subject to certain exceptions, that prohibits a consumer reporting agencyfrom releasing the consumer credit report or score relating to the extension of credit. 13. 'Sufficient proof of authority' means documentation that shows a representative has authority to act on behalf of a protected consumer, which may be demonstrated in the form ofan order issued by a court of law, a lawfully executed and valid power of attorney, or a writtennotarized statement signed by the representative that expressly describes the authority of therepresentative to act on behalf of a protected consumer. 14. 'Sufficient proof of identification' means one or more of the following:a. A protected consumer’s social security number or a copy of a social security card issued by the federal social security administration. b. A certified or official copy of a protected consumer’s birth certificate issued by the entity authorized to issue the birth certificate. c. rd issued by the federal social security administration. b. A certified or official copy of a protected consumer’s birth certificate issued by the entity authorized to issue the birth certificate. c. A copy of a protected consumer’s driver’s license, a protected consumer’s nonoperator’s identification card issued by the state department of transportation, or anyother federal or state government-issued form of identification pertaining to a protectedconsumer. 2008 Acts, ch 1063, §1; 2014 Acts, ch 1041, §1 – 3, 6 Sat Dec 23 12:29:53 2023 Iowa Code 2024, Section 714G.1 (19, 0)
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