This legal document governs the acquisition and use of brokered personal information. It applies to all persons. The document prohibits the acquisition of brokered personal information through fraudulent means and also prohibits the acquisition or use of such information for stalking or harassing another person, committing fraud (including identity theft, financial fraud, or e-mail fraud), or engaging in unlawful discrimination (including employment discrimination and housing discrimination). Violation of this document is considered an unfair and deceptive act in commerce, which is subject to penalties as specified in section 2453 of this title.

The Security Breach Notice Act requires data collectors to notify consumers in the event of a security breach involving personally identifiable information or login credentials. The notice must be provided as soon as possible and without unreasonable delay, but no later than 45 days after the discovery or notification of the breach. If the data collector does not own or license the information, they must notify the owner or licensee of the breach.

The provided legal document content covers various aspects of the protection of personal information. The acquisition and use of brokered personal information is prohibited through fraudulent means and for certain purposes such as stalking, harassment, fraud, and unlawful discrimination. The Security Breach Notice Act requires data collectors to notify consumers in the event of a security breach involving personally identifiable information or login credentials. The Social Security Number Protection Act prohibits the communication or availability of Social Security numbers to the general public and imposes restrictions on their use.

This legal document governs the prevention of credit card company unfair business practices under the Vermont Statutes. It applies to electronic payment systems and merchants in Vermont. Entities acting exclusively as agents, processors, or members that are not electronic payment systems are exempt from these penalties. The penalties for violations include reimbursement of fines to affected merchants, a civil penalty of $10,000.00 per fine levied, and the ability for merchants to maintain a civil action for damages or equitable relief.

This legal document, added in 2018, falls under the Commerce and Trade section of the Vermont Statutes and specifically addresses consumer protection in credit card terminal finance leases. It requires persons who solicit finance leases for credit card terminals to accurately disclose their relationship to the owners, lessors, service providers, and financiers of the terminals. The document also mandates the disclosure of whether oral statements made during solicitation are included in the lease terms and enforceable.

This legal document governs the medium and time of settlement by a bank. It applies to banks and persons involved in settlement transactions. The document states that the medium and time of settlement may be prescribed by Federal Reserve regulations, circulars, clearing-house rules, or agreements. In the absence of such prescription, the medium of settlement is cash or credit to an account in a Federal Reserve Bank or specified by the person to receive settlement.

This legal document, part of the Vermont Statutes Uniform Commercial Code, pertains to the final payment of items by payor banks, the process by which provisional debits and credits become final, and the availability of credits for withdrawal. It outlines that an item is finally paid by a payor bank when it is paid in cash, settled without the right to revoke the settlement, or provisionally settled and not revoked within the permitted time.

This legal document, part of the Vermont Statutes Uniform Commercial Code, specifically addresses the actions and responsibilities of payor banks in relation to demand items. It states that if a payor bank settles for a demand item other than a documentary draft presented for immediate payment before midnight of the banking day of receipt, it has the right to revoke the settlement and recover the settlement amount. This can be done by either returning the item or sending written notice of dishonor or nonpayment if the item is unavailable for return.

This legal document, part of the Vermont Statutes’ Uniform Commercial Code section on BANK DEPOSITS AND COLLECTIONS, governs the treatment of items subject to notice, stop-payment order, legal process, or setoff, as well as the order in which these items may be charged or certified. It specifies that any knowledge, notice, stop-payment order, or legal process received by a payor bank comes too late to terminate, suspend, or modify the bank’s right or duty to pay an item or charge the customer’s account if the bank has already accepted or certified the item, paid it in cash, settled for the item without the right to revoke the settlement, become accountable for the amount of the item, or if a cutoff hour has passed.

This legal document, part of the Vermont Statutes Uniform Commercial Code, governs bank deposits and collections. It outlines the circumstances under which a bank may charge a customer’s account. A bank is allowed to charge against the customer’s account for items that are properly payable, authorized by the customer, and in accordance with any agreement between the customer and the bank. The customer is not liable for overdrafts if they did not sign the item or benefit from its proceeds.