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.

If a third party requests access to a consumer report on which a security freeze is in effect, the request is in connection with an application for credit or any other use, the consumer does not allow the consumers consumer report to be accessed for that period of time, and the third party cannot obtain the consumer report through ORS 646A.614, the third party may treat the application as incomplete. [2007 c.

This legal document governs the prohibition on changes to consumer credit reports subject to a security freeze. Consumer reporting agencies are prohibited from changing official information in a consumer credit report, such as name, date of birth, Social Security number, and address, without sending a written confirmation to the consumer. However, technical modifications of official information do not require written confirmation. In the case of an address change, the written confirmation must be sent to both the new and former addresses.

This legal document prohibits the printing, displaying, or posting of a consumer’s Social Security number without their consent. It applies to any person and covers various situations such as printing Social Security numbers on mail, cards, or publicly displaying them. However, there are exemptions to this prohibition, including situations where the collection, use, or release of a Social Security number is required by state or federal law or rule. Additionally, the use or printing of a Social Security number for internal verification or administrative purposes or to enforce a judgment or court order is allowed.

This legal document requires covered entities and vendors to develop, implement, and maintain reasonable safeguards to protect the security, confidentiality, and integrity of personal information. The safeguards should also cover the disposal of personal information. Compliance with this requirement can be achieved by following state or federal laws that provide greater protection to personal information, complying with regulations under the Gramm-Leach-Bliley Act and the Health Insurance Portability and Accountability Act, or implementing an information security program.

This legal document governs the powers of the Director of the Department of Consumer and Business Services in relation to violations of ORS 646A.600 to 646A.628. The Director is authorized to conduct investigations, require written statements, administer oaths, subpoena witnesses, and obtain relevant documents. Failure to comply with a subpoena or refusal to testify may result in contempt proceedings. If the Director has reason to believe a violation has occurred, they may issue an order to cease and desist or require compensation to injured consumers.

In accordance with ORS chapter 183, the Director of the Department of Consumer and Business Services may adopt rules for the purpose of carrying out the provisions of ORS 646A.600 to 646A.628. [2007 c.759 14]

According to this legal document, the Director of the Department of Consumer and Business Services has the authority to allocate moneys derived from various statutes to implement ORS 646A.600 to 646A.628. The specific statutes mentioned include ORS 86A.095 to 86A.198, 86A.990, 86A.992, 650.005 to 650.100, 697.005 to 697.095, 697.602 to 697.842, 705.350, 717.200 to 717.320, 731.804, and ORS chapters 59, 645, 706 to 716, 723, 725, and 726. The purpose of this allocation is to implement the provisions of ORS 646A.

This section of the Oregon Revised Statutes governs the act of obtaining personal information by false representation via electronic media. It prohibits any person from using electronic means to solicit, request, or induce another person to provide personal information by falsely representing themselves as a third person, without the third person’s knowledge, authorization, and consent. However, this prohibition does not apply to law enforcement officers or agencies performing their official duties, or individuals authorized by law to conduct lawful investigations.

This legal document pertains to the administration and enforcement of banking laws in Oregon. The Director of the Department of Consumer and Business Services is responsible for receiving and filing all reports required by the Bank Act. The records of the Department of Consumer and Business Services related to the administration of the Bank Act are generally available for public inspection, unless the director determines that there is a greater interest in keeping the records confidential.