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Can you summarize NCGS 75-61?
Identity Theft Protection Act. > Definitions.
Short Summary
The Identity Theft Protection Act governs the protection of personal information and consumer reports. It applies to businesses, consumers, and consumer reporting agencies. The Act defines various terms such as ‘business’, ‘consumer’, ‘consumer report’, ‘consumer reporting agency’, ‘credit card’, ‘debit card’, ‘disposal’, ’encryption’, ‘person’, ‘personal information’, ‘proper identification’, ‘protected consumer’, ‘protected consumer security freeze’, ‘protected consumer’s file’, ‘records’, ‘redaction’, and ‘representative’. The Act also defines ‘security breach’, ‘security freeze’, ‘sufficient proof of authority’, and ‘sufficient proof of identification’. The Act prohibits unauthorized access to and acquisition of unencrypted and unredacted records or data containing personal information. It allows consumers to place a security freeze on their credit report. The Act also specifies the requirements for sufficient proof of authority and identification for protected consumers. Government or governmental subdivision or agency is exempted from the definition of ‘business’ under the Act.
Whom does it apply to?
Businesses, consumers, consumer reporting agencies
What does it govern?
Identity Theft Protection Act
What are exemptions?
Government or governmental subdivision or agency
What are the Penalties?
Not specified
Jurisdiction
North Carolina