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Can you summarize ORRS 646A.606?
Trade Regulation > Security freeze; requirements; proof of authority; effect.
Short Summary
This legal document governs the process of placing a security freeze on consumer reports or protective records. Consumers or representatives can request a security freeze by submitting a written request to a designated address or through a secure electronic method provided by the consumer reporting agency. If the consumer or protected consumer has been a victim of identity theft or reported a theft of personal information, they may include supporting documents such as a police report. Proper identification is required, and representatives must provide sufficient proof of authority to act on behalf of the protected consumer. Once a security freeze is in place, information from the consumer report or protective record cannot be released without the consumer’s express authorization. However, the consumer reporting agency can inform third parties about the existence of a security freeze. There are no specified penalties mentioned in this document.
Whom does it apply to?
Consumers and representatives
What does it govern?
Security freeze on consumer reports and protective records
What are exemptions?
None mentioned
What are the Penalties?
Not specified
Jurisdiction
Oregon