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Can you summarize ORRS 646A.614?
Trade Regulation > Effect of security freeze on use of consumer reports or protective records.
Short Summary
This legal document outlines the exemptions and exceptions to the use of consumer reports or protective records. It specifies that the provisions do not apply to certain entities such as persons reviewing accounts or collecting financial obligations, entities acting pursuant to court orders or warrants, governmental entities or law enforcement agencies investigating fraud or collecting taxes, and entities providing credit file monitoring subscription services. The document also mentions exemptions for prescreening, providing consumer reports upon request, setting or adjusting insurance rates, facilitating extension of credit, child support agencies, and screening applicants for residential dwelling units. Additionally, it states that the provisions do not apply to protective records used for purposes such as compiling criminal records, detecting or preventing fraud, compiling personal loss history, and screening applicants for employment, tenancy, or other background checking purposes.
Whom does it apply to?
Person, subsidiary, affiliate, agent, assignee, federal, state or local governmental entity, law enforcement agency, court, consumer reporting agency, child support agency, person or entity for insurance purposes, person for screening applicants for residential dwelling units, entity listed in ORS 646A.618(2)
What does it govern?
Use of consumer reports or protective records
What are exemptions?
Use of consumer reports or protective records for reviewing accounts, collecting financial obligations, court orders, warrants, subpoenas, investigating fraud, collecting delinquent taxes, unpaid judgments, court orders, fulfilling statutory or regulatory duties, prescreening, providing credit file monitoring subscription service, providing consumer report upon request, setting or adjusting rates, handling claims or underwriting for insurance purposes, facilitating extension of credit, child support agency acting pursuant to Title IV-D of the Social Security Act, screening applicants for residential dwelling units
What are the Penalties?
No penalties mentioned.
Jurisdiction
Oregon