reglab/housing_qa huggingface dataset:
24 OK Stat § 24-143 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-143. Fees - Administrator's investigation - Issuance or denial of license.

|A. Upon the filing of an application and bond, payment of an annual license fee and an investigation fee, the Administrator of Consumer Credit shall conduct an investigation. If the Administrator finds that the financial responsibility, experience, character and general fitness of the applicant are such as to warrant belief that the business will be operated pursuant to the Credit Services Organization Act and rules promulgated pursuant thereto, the Administrator shall grant the application and issue to the applicant a license which will evidence the authority of the applicant to do business under the provisions of the Credit Services Organization Act. |B. If the Administrator does not so find facts sufficient to warrant issuance of a license, the Administrator shall notify the applicant. If within thirty (30) days of such notification the applicant requests a hearing on the application, a hearing shall be held within sixty (60) days after the date of the request. In the event of the denial of a license, the investigation fee shall be retained by the Administrator, but the annual license fee shall be returned to the applicant.C. The Administrator shall grant or deny such application for license within sixty (60) days from its filing with the required fees, or from the hearing thereon, if any, unless the period is extended by written agreement between the applicant and the Administrator.D. No license to engage in the business of a credit services organization shall be issued for any location if a license has been issued and is in effect under the provisions of Sections 3-501 through 3-514 of Title 14A of the Oklahoma Statutes. As used in this subsection the term "location" means the entire area in which a person licensed pursuant to any provision of Title 14A of the Oklahoma Statutes conducts business. No credit service organization may be connected with any location in which a person licensed pursuant to any provision of Title 14A of the Oklahoma Statutes conducts business, except by a passageway to which the public is not admitted.E. The Commission on Consumer Credit may prescribe by rule a fee for each license change, duplicate license or returned check.Added by Laws 1987, c. 208, § 48, operative July 1, 1987. Amended by Laws 1987, c. 236, § 74, emerg. eff. July 20, 1987; Laws 2010, c. 415, § 10, eff. July 1, 2010.
24 OK Stat § 24-144 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-144. Licenses - Contents - Display - Number - Term - Annual fee.

|A. Each license shall state the name of the license and the address of which the business is to be conducted. The license shall be displayed at the place of business named in the license. The license shall not be transferable or assignable except upon approval by the Administrator of Consumer Credit. |B. A separate license shall be required for each credit service organization operated pursuant to the Credit Services Organization Act.The Administrator may issue more than one license to any one person upon compliance with the provisions of the Credit Services Organization Act as to each license. A licensee desiring to move a licensed credit service operation to another location shall give thirty (30) days' written notice to the Administrator, who shall amend the license accordingly.C. Each license shall remain in full force and effect until relinquished, suspended, revoked or expired. Every licensee, on or before December 1 of each year, shall pay the Administrator a license renewal fee for each license held by the licensee as the annual fee for the succeeding calendar year. The license shall expire December 31 of any year for which an annual fee has not been paid.D. A late fee, as prescribed by rule of the Commission on Consumer Credit, shall be imposed for any license renewed after December 1.Added by Laws 1987, c. 208, § 49, operative July 1, 1987. Amended by Laws 1987, c. 236, § 75, emerg. eff. July 20, 1987; Laws 2010, c. 415, § 11, eff. July 1, 2010; Laws 2015, c. 152, § 2, eff. Nov. 1, 2015.
24 OK Stat § 24-147 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-147. Disclosures to consumer - Applicability of disclosure requirements - Credit histories - Fees.

|A. Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer: |1. The nature and substance of all information, except medical information, in its files on the consumer at the time of the request;2. The sources of the information, except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed. Provided, in the event an action is brought under this act, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought; and3. The recipients of any consumer report on the consumer which it has furnished:a.for employment purposes within the two-year period preceding the request, andb.for any other purpose within the six-month period preceding the request.B. The requirements of subsection A of this section respecting the disclosure of sources of information and the recipients of consumer reports do not apply to information received or consumer reports furnished prior to the effective date of this act, except to the extent that the matter involved is contained in the files of the consumer reporting agency on that date.C. All consumer reporting agencies, as such agencies are defined in the Federal Fair Credit Reporting Act, 15 U.S.C., Sections 1681 through 1681t, which operate offices in the State of Oklahoma shall allow any requesting person to receive his or her credit history.D. A consumer reporting agency shall make all disclosures and furnish all consumer reports without charge to the consumer if requested within thirty (30) days after receipt by such consumer of a notification from a debt collection agency affiliated with such consumer reporting agency stating that the consumer's credit rating may be or has been adversely affected. Otherwise, the consumer reporting agency may impose a reasonable charge on the consumer:1. For making disclosure to such consumer, the charge for which shall be indicated to the consumer prior to making disclosure; and2. For furnishing credit histories authorized in subsection C of this section, notifications, statements, summaries or codifications to persons designated by the consumer, the charge for which shall be indicated to the consumer prior to furnishing such information.Provided, no charge may be made for notifying such persons of the deletion of information which is found to be inaccurate or which can no longer be verified.Added by Laws 1987, c. 208, § 52, operative July 1, 1987 and Laws 1987, c. 236, § 78, emerg. eff. July 20, 1987. Amended by Laws 1988, c. 196, § 5, operative July 1, 1988.
24 OK Stat § 24-148 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-148. Request of consumer report – Notice to subject of report.

|A. Prior to requesting a consumer report for employment purposes, the requestor or user of the consumer report shall provide written notice to the person who is the subject of the consumer report. The notice shall inform the consumer that a consumer report will be used and the notice shall contain a box that the consumer may check to receive a copy of the consumer report. If the consumer requests a copy of the report, the user of the consumer report shall request that a copy be provided to the consumer when the user of the consumer report requests its copy from the credit reporting agency. The report sent to the consumer shall be provided at no charge to the consumer. As used in this section, “consumer report” shall have the same meaning as that term is defined in the federal Fair Credit Reporting Act, 15 U.S.C., Sections 1681 et seq. |B. No person shall be held liable for any violation of this section if such person shows by a preponderance of the evidence that, at the time of the alleged violation, such person maintained reasonable procedures to assure compliance with this section.Added by Laws 2000, c. 170, § 1, eff. Nov. 1, 2000.
24 OK Stat § 24-149 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-149. Short title.

|This act shall be known and may be cited as the “Oklahoma Consumer Report Security Freeze Act”. |Added by Laws 2006, c. 283, § 1, eff. Jan. 1, 2007.
24 OK Stat § 24-150 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-150. Definitions.

|As used in this act: |1. “Consumer” means an individual who is also a resident of this state;2. “Consumer report” has the meaning ascribed to it in 15 U.S.C., Section 1681a(d);3. “Consumer reporting agency” has the meaning ascribed to it in 15 U.S.C., Section 1681a(f);4. “Proper identification” has the meaning ascribed to it in 15 U.S.C., Section 1681h(a)(1); and5. “Security freeze” means a notice placed in a consumer report of a consumer, at the request of the consumer and subject to certain exceptions, that prohibits the consumer reporting agency from releasing the consumer report or credit score of the consumer relating to the opening of new accounts or the extension of credit.Added by Laws 2006, c. 283, § 2, eff. Jan. 1, 2007.
24 OK Stat § 24-151 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-151. Written request for security freeze - Processing time - Confirmation of freeze and identification number - Disclosures.

|A. A consumer may request that a security freeze be placed on his or her consumer report by sending a request in writing by certified mail to a consumer reporting agency at an address designated by the consumer reporting agency to receive such requests. This subsection does not prevent a consumer reporting agency from advising a third party that a security freeze is in effect with respect to the consumer report of a consumer. |B. A consumer reporting agency shall place a security freeze on a consumer report of a consumer no later than five (5) business days after receiving from the consumer:1. A written request as provided in subsection A of this section;2. Proper identification; and3. Payment of the required fee, if applicable.Provided, however, with respect to any security freeze requested before May 1, 2007, the deadline stated in this subsection shall be ten (10) business days if a consumer reporting agency in good faith is unable to process during normal business hours the quantity of security freeze requests being received.C. The consumer reporting agency shall send a written confirmation of the placement of the security freeze to the consumer within ten (10) business days. Upon placing the security freeze on the consumer report of the consumer, the consumer reporting agency shall provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the release of his or her consumer report for a specific period of time.D. If a consumer requests a security freeze, the consumer reporting agency shall disclose the process of placing and temporarily lifting a freeze, and the process for allowing access to information from the consumer report of the consumer for a period of time while the freeze is in place.Added by Laws 2006, c. 283, § 3, eff. Jan. 1, 2007.
24 OK Stat § 24-152 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-152. Requests to temporarily lift freeze - Time for compliance - Request procedures.

|A. If the consumer wishes to allow his or her consumer report to be accessed for a specific period of time while a freeze is in place, he or she shall contact the consumer reporting agency using a method of contact designated by the consumer reporting agency, requesting that the freeze be temporarily lifted, and providing, to complete the request, all of the following: |1. Proper identification;2. The unique personal identification number or password provided by the consumer reporting agency pursuant to subsection C of Section 3 of this act;3. The proper information regarding the time period for which the report shall be available to users of the credit report; and4. The required fee, if applicable.B. A consumer reporting agency that receives a request from a consumer to temporarily lift a freeze on his or her consumer report, accompanied by all of the items listed in subsection A of this section, shall comply with the request no later than three (3) business days after receiving the completed request.C. A consumer reporting agency may develop procedures involving the use of telephone, facsimile, the Internet, or other electronic media to receive and process a request from a consumer to temporarily lift a freeze on a consumer report pursuant to subsection A of this section in an expedited manner.Added by Laws 2006, c. 283, § 4, eff. Jan. 1, 2007.
24 OK Stat § 24-153 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-153. Mandatory removal or temporary lifting of freeze - Notice to consumer - Third party requests.

|A. A consumer reporting agency shall remove or temporarily lift a freeze placed on the consumer report of a consumer only in the following cases: |1. Upon consumer request, pursuant to Sections 4 and 6 of this act; or2. If the consumer report of the consumer was frozen due to a material misrepresentation of fact by the consumer.If a consumer reporting agency intends to remove a freeze upon a consumer report of a consumer, and is not doing so at the request of the consumer, the consumer reporting agency shall notify the consumer in writing prior to removing the freeze on the consumer report of the consumer.B. If a third party requests access to a consumer report on which a security freeze is in effect, this request is in connection with an application for credit or any other use, and the consumer does not allow his or her consumer report to be accessed for that period of time, the third party may treat the application as incomplete.Added by Laws 2006, c. 283, § 5, eff. Jan. 1, 2007.
24 OK Stat § 24-154 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-154. Removal of freeze by consumer request - Identification required.

|A. A security freeze shall remain in place until the consumer requests, using a method of contact designated by the consumer reporting agency, that the security freeze be removed. A consumer reporting agency shall remove a security freeze within three (3) business days of receiving such a request for removal from the consumer, who provides along with it: |1. Proper identification;2. The unique personal identification number or password provided by the consumer reporting agency pursuant to Section 3 of this act; and3. The required fee, if applicable.B. A consumer reporting agency shall require proper identification of the person making a request to place or remove a security freeze.Added by Laws 2006, c. 283, § 6, eff. Jan. 1, 2007.
24 OK Stat § 24-155 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-155. Exceptions.

|The provisions of this act do not apply to the use of a consumer credit report by any of the following: |1. A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this paragraph, "reviewing the account" includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements;2. A subsidiary, affiliate, agent, assignee, or prospective assignee of a person to whom access has been granted for purposes of facilitating the extension of credit or other permissible use;3. Any state or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena;4. A child support agency acting pursuant to Title IV-D of the Social Security Act;5. The state or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under Section 1681b of Title 15 of the United States Code;6. The use of credit information for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act;7. Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed;8. Any person or entity for the purpose of providing a consumer with a copy of his or her consumer report or credit score upon the request of the consumer; or9. Any person using the information in connection with the underwriting of insurance.Added by Laws 2006, c. 283, § 7, eff. Jan. 1, 2007.
24 OK Stat § 24-156 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-156. Fees - Written notice of changes.

|A. This act does not prevent a consumer reporting agency from charging a fee of no more than Ten Dollars ($10.00) to a consumer for each freeze, removal of the freeze, or temporary lifting of the freeze for a period of time, regarding access to a consumer credit report. |B. A consumer reporting agency shall not charge any fee to:1. A victim of identity theft who has submitted, at the time the security freeze is requested, a copy of a valid investigative or incident report or complaint with a law enforcement agency about the unlawful use of the victim’s identifying information by another person; or2. A consumer sixty-five (65) years of age or older for the initial placement and removal of a security freeze.C. If a security freeze is in place, a consumer reporting agency shall not change any of the following official information in a consumer report without sending a written confirmation of the change to the consumer within thirty (30) days of the change being posted to the file of the consumer:1. Name;2. Date of birth;3. Social security number; and4. Address.D. Written confirmation is not required for technical modifications of official information of a consumer, including name and street abbreviations, complete spellings, or transposition of numbers or letters. In the case of an address change, the written confirmation shall be sent to both the new address and to the former address.Added by Laws 2006, c. 283, § 8, eff. Jan. 1, 2007.
24 OK Stat § 24-157 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-157. Entities not required to place security freeze.

|The following entities are not required to place a security freeze on a consumer report: |1. A consumer reporting agency that acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple consumer reporting agencies, and does not maintain a permanent database of credit information from which new consumer reports are produced. However, a consumer reporting agency acting as a reseller shall honor any security freeze placed on a consumer report by another consumer reporting agency;2. A check services or fraud prevention services company, which issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payments; or3. A deposit account information service company, which issues reports regarding account closures due to fraud, substantial overdrafts, automatic teller machine (ATM) abuse, or similar negative information regarding a consumer, to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution.Added by Laws 2006, c. 283, § 9, eff. Jan. 1, 2007.
24 OK Stat § 24-159 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-159. Failure to comply - Use of false pretenses - Penalties.

|A. Any person who willfully fails to comply with any requirement imposed under the provisions of this act with respect to any consumer is liable to that consumer in an amount equal to the sum of: |1. Any actual damages sustained by the consumer; and2. In the case of any successful action to enforce any liability under the provisions of this act, the costs of the action together with reasonable attorney fees as determined by the court.B. Any person who obtains a consumer report, requests a security freeze, or requests the temporary lift of a security freeze or the removal of a security freeze from a consumer reporting agency under false pretenses or in an attempt to violate federal or state law shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or One Thousand Dollars ($1,000.00), whichever is greater.C. Any person who is negligent in failing to comply with any requirement imposed under this act with respect to any consumer is liable to that consumer in an amount equal to the sum of:1. Any actual damages sustained by the consumer as a result of the failure; and2. In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney fees as determined by the court.D. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under the provisions of this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party reasonable attorney fees in relation to the work expended in responding to the pleading, motion, or other paper.Added by Laws 2006, c. 283, § 11, eff. Jan. 1, 2007.
24 OK Stat § 24-161 (2021)
2021 Oklahoma Statutes|Title 24. Debtor and Creditor|§24-161. Short title.

|This act shall be known and may be cited as the “Security Breach Notification Act”. |Added by Laws 2008, c. 86, § 1, eff. Nov. 1, 2008.