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Can you summarize ORRS 646A.608?
Trade Regulation > Deadline for placing security freeze; protective record creation; use and release of information; confirmation; personal identification number; exception; lifting and removal.
Short Summary
This legal document, part of the Oregon Revised Statutes, pertains to consumer reporting agencies. It governs the process of placing a security freeze on a consumer report, creating a protective record, and the use and release of information. The document outlines the requirements for consumer reporting agencies to place a security freeze within five business days of receiving a consumer’s request and proper identification. If a consumer report does not exist, a protective record must be created. The document also specifies that the information in a protective record should not be used or released for purposes unrelated to protecting the consumer from identity theft. Consumer reporting agencies are required to send a written confirmation of a security freeze to the consumer, along with a personal identification number or password. Temporary lifts of a security freeze can be requested by the consumer, but not for protected consumers. The security freeze can be removed upon request by the consumer or the protected consumer, with proper identification and proof of authority. The document does not mention any specific penalties for non-compliance.
Whom does it apply to?
Consumer reporting agencies
What does it govern?
Placing a security freeze on a consumer report, creating a protective record, use and release of information, confirmation, personal identification number, lifting and removal of security freeze
What are exemptions?
ORS 646A.614 provides an exception for using or releasing information in a protective record for purposes unrelated to protecting the consumer from identity theft. ORS 646A.612(2)(a) provides an exception for temporarily lifting a security freeze on a consumer report for a protected consumer.
What are the Penalties?
No penalties are mentioned in this document.
Jurisdiction
Oregon