reglab/housing_qa huggingface dataset:
SD Codified L § 54-15-8 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 15 - Security Freeze On Credit Report|Section 54-15-8 - Conditions for removing or temporarily lifting security freeze.

54-15-8. Conditions for removing or temporarily lifting security freeze.A consumer reporting agency shall remove or temporarily lift a freeze placed on a consumer's credit report only in the following cases:(1)Upon a consumer's request pursuant to §54-15-6 or 54-15-11; or(2)When the consumer's credit report was frozen due to a material misrepresentation of fact by the consumer. When a consumer reporting agency intends to remove a freeze upon a consumer's credit report under this subdivision, the consumer reporting agency shall notify the consumer in writing prior to removing the freeze on the consumer's credit report. Source: SL 2006, ch 246, §8.
SD Codified L § 54-15-9 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 15 - Security Freeze On Credit Report|Section 54-15-9 - Treatment of credit or other application as incomplete for denial of limited access to credit information.

54-15-9. Treatment of credit or other application as incomplete for denial of limited access to credit information.If a third party requests access to a consumer credit report on which a security freeze is in effect, and this request is in connection with an application for credit or any other use, and the consumer does not allow the consumer's credit report to be accessed for that specific party or period of time, the third party may treat the application as incomplete. Source: SL 2006, ch 246, §9.
SD Codified L § 54-15-10 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 15 - Security Freeze On Credit Report|Section 54-15-10 - Disclosure of process for placing and temporarily lifting security freeze or allowing limited access to information.

54-15-10. Disclosure of process for placing and temporarily lifting security freeze or allowing limited access to information.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's credit report for a specific party or period of time while the freeze is in place. Source: SL 2006, ch 246, §10.
SD Codified L § 54-15-11 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 15 - Security Freeze On Credit Report|Section 54-15-11 - Removal of security freeze--Request for removal.

54-15-11. Removal of security freeze--Request for removal.A security freeze under §54-15-4 shall remain in place until the consumer reporting agency receives a request from the consumer to remove the freeze. A consumer reporting agency shall remove a security freeze within three business days of receiving a request for removal from the consumer. If making a request under this section, a consumer shall provide to the consumer reporting agency:(1)Proper identification, as defined in subdivision 54-15-6(1); and(2)The unique personal identification number or password provided by the consumer reporting agency pursuant to §54-15-5.Any request for removal under this section shall be made to a point of contact designated by the consumer reporting agency to receive the request. Source: SL 2006, ch 246, §11; SL 2018, ch 274, §1.
SD Codified L § 54-15-12 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 15 - Security Freeze On Credit Report|Section 54-15-12 - Use of credit report by certain persons and entities not subject to chapter.

54-15-12. Use of credit report by certain persons and entities not subject to chapter.This chapter does not apply to the use of a consumer credit report by any of the following:(1)A person, or a subsidiary, affiliate, or agent of that person, 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 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. The term, 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 under §54-15-6 for purposes of facilitating the extension of credit or other permissible use;(3)Any federal, state, or local entity, including a law enforcement agency or court;(4)A private collection agency acting under a court order, warrant, or subpoena;(5)A child support agency acting under Title IV-D of the Social Security Act (42 U.S.C. et seq.);(6)The Department of Social Services acting to fulfill any of its statutory responsibilities;(7)The Internal Revenue Service acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities;(8)The use of credit information for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act;(9)Any person or entity administering a credit file monitoring subscription service to which the consumer has subscribed;(10)Any person or entity for the purpose of providing a consumer with a copy of the consumer's credit report upon the consumer's request; and(11)Any person or entity for use in setting or adjusting a rate, adjusting a claim, or underwriting for insurance purposes. Source: SL 2006, ch 246, §12.
SD Codified L § 54-15-13 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 15 - Security Freeze On Credit Report|Section 54-15-13 - Written confirmation of changes to report while security freeze in place.

54-15-13. Written confirmation of changes to report while security freeze in place.If a security freeze is in place, a consumer reporting agency may not change any name, date of birth, social security number, or address in a consumer credit report without sending a written confirmation of the change to the consumer within thirty days of the change being posted to the consumer's file. Written confirmation is not required for technical modifications of a consumer's official information, 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. Source: SL 2006, ch 246, §13.
SD Codified L § 54-15-14 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 15 - Security Freeze On Credit Report|Section 54-15-14 - Resellers of credit information not required to place security freeze.

54-15-14. Resellers of credit information not required to place security freeze.No consumer reporting agency is required to place a security freeze in a consumer credit report if the consumer reporting agency acts only as a reseller of credit information by assembling and merging information contained in the data base of another consumer reporting agency or multiple consumer reporting agencies, and does not maintain a permanent data base of credit information from which new consumer credit reports are produced. However, a consumer reporting agency shall honor any security freeze placed on a consumer credit report by another consumer reporting agency. Source: SL 2006, ch 246, §14.
SD Codified L § 54-15-15 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 15 - Security Freeze On Credit Report|Section 54-15-15 - Certain entities not required to place security freeze .

54-15-15. Certain entities not required to place security freeze.The following entities are not required to place a security freeze in a consumer credit report pursuant to this chapter:(1)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; and(2)A deposit account information service company, which issues reports regarding account closures due to fraud, substantial overdrafts, 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. Source: SL 2006, ch 246, §15.
SD Codified L § 54-15-16 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 15 - Security Freeze On Credit Report|Section 54-15-16 - Furnishing of information to governmental agency when security freeze in place.

54-15-16. Furnishing of information to governmental agency when security freeze in place.A consumer reporting agency may furnish to a governmental agency a consumer's name, address, former address, places of employment, or former places of employment even if a security freeze is in place. Source: SL 2006, ch 246, §16.
SD Codified L § 54-15-17 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 15 - Security Freeze On Credit Report|Section 54-15-17 - Fee for placement or removal of security freeze prohibited.

54-15-17. Fee for placement or removal of security freeze prohibited.A consumer reporting agency is prohibited from charging a fee for a placement or removal of a security freeze under this chapter. Source: SL 2018, ch 273, §2.
SD Codified L § 54-16-1 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 16 - Credit Reporting Security Freeze For Protected Consumers|Section 54-16-1 - Definitions.

54-16-1. Definitions.Terms used in this chapter mean:(1)"Protected consumer," a person who is under the age of sixteen years at the time a request for the placement of a security freeze is made or an incapacitated person or a protected person for whom a guardian or conservator has been appointed;(2)"Record," a compilation of information that is created by a consumer reporting agency solely for the purpose of complying with this section, identifies a protected consumer, and may not be used to consider the protected consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living;(3)"Representative," a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer;(4)"Security freeze," a notice placed on a consumer's credit report that prohibits a consumer reporting agency from releasing the consumer's credit report relating to the extension of credit involving that consumer's report, without the express authorization of the protected person's representative;(5)"Sufficient proof of authority," documentation that shows a representative has authority to act on behalf of a protected consumer and includes an order issued by a court of law, a lawfully executed and valid power of attorney, or a notarized statement signed by a representative that expressly describes the authority of the representative to act on behalf of a protected consumer;(6)"Sufficient proof of identification," information or documentation that identifies a protected consumer or a representative of a protected consumer and includes a social security number or a copy of a social security card issued by the social security administration, a certified or official copy of a birth certificate, or a copy of a driver license, an identification card issued by the motor vehicle administration, or any other government issued identification. Source: SL 2016, ch 230, §1.
SD Codified L § 54-16-2 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 16 - Credit Reporting Security Freeze For Protected Consumers|Section 54-16-2 - Security freeze for protected consumer upon request to consumer reporting agency by protected consumer's representative.

54-16-2. Security freeze for protected consumer upon request to consumer reporting agency by protected consumer's representative.A consumer reporting agency shall place a security freeze for a protected consumer if the agency receives a request from the protected consumer's representative for the placement of the security freeze under this section and the protected consumer's representative:(1)Submits the request to the agency in the manner specified by the agency;(2)Provides to the agency sufficient proof of identification of the protected consumer and the representative;(3)Provides to the agency sufficient proof of authority to act on behalf of the protected consumer; and(4)Pays to the agency a fee as provided in §54-16-9.If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a request under this section, the consumer reporting agency shall create a record for the protected consumer. Source: SL 2016, ch 230, §2.
SD Codified L § 54-16-3 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 16 - Credit Reporting Security Freeze For Protected Consumers|Section 54-16-3 - Application of chapter.

54-16-3. Application of chapter.This chapter does not apply to the use of a protected consumer's credit report or record by:(1)A person administering a credit file monitoring subscription service to which the protected consumer has subscribed or the representative of the protected consumer has subscribed on behalf of the protected consumer;(2)A person providing the protected consumer or the protected consumer's representative with a copy of the protected consumer's credit report on request of the protected consumer or the protected consumer's representative; or(3)A check services or fraud prevention services company that issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar payment methods;(4)A deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, automated teller machine abuse, or similar negative information regarding a consumer to inquiring financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring financial institution;(5)An insurance company for the purpose of conducting its ordinary business;(6)A consumer reporting agency that acts only to resell credit information by assembling and merging information contained in a database of one or more consumer reporting agencies and does not maintain a permanent database of credit information from which new credit reports are produced; and(7)A consumer reporting agency's database that consists of information used for criminal record information, fraud prevention or detection, personal loss history information, or employment, tenant, or individual background screening, but not for credit granting services. Source: SL 2016, ch 230, §3.
SD Codified L § 54-16-4 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 16 - Credit Reporting Security Freeze For Protected Consumers|Section 54-16-4 - Time for placing security freeze.

54-16-4. Time for placing security freeze.Within thirty days after receiving a request that meets the requirements of this chapter, a consumer reporting agency shall place a security freeze for the protected consumer. Source: SL 2016, ch 230, §4.
SD Codified L § 54-16-5 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 16 - Credit Reporting Security Freeze For Protected Consumers|Section 54-16-5 - Release of report or information prohibited.

54-16-5. Release of report or information prohibited.Unless a security freeze for a protected consumer is removed in accordance with §54-16-7 or 54-16-10, a consumer reporting agency may not release the protected consumer's credit report, any information derived from the protected consumer's credit report, or any record created for the protected consumer. Source: SL 2016, ch 230, §5.
SD Codified L § 54-16-6 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 16 - Credit Reporting Security Freeze For Protected Consumers|Section 54-16-6 - Duration of security freeze.

54-16-6. Duration of security freeze.A security freeze for a protected consumer placed under §54-16-4 shall remain in effect until:(1)The protected consumer or the protected consumer's representative requests the consumer reporting agency to remove the security freeze in accordance with §54-16-7; or(2)The security freeze is removed in accordance with §54-16-10. Source: SL 2016, ch 230, §6.
SD Codified L § 54-16-7 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 16 - Credit Reporting Security Freeze For Protected Consumers|Section 54-16-7 - Request for removal of security freeze.

54-16-7. Request for removal of security freeze.If a protected consumer or a protected consumer's representative wishes to remove a security freeze for the protected consumer, the protected consumer or the protected consumer's representative shall submit a request for the removal of the security freeze to the consumer reporting agency in the manner specified by the agency. If the request is made by the protected consumer, the requestor shall provide to the consumer reporting agency proof that the authority for the protected consumer's representative is no longer valid and sufficient proof of the identification of the protected consumer. If the request is made by the protected consumer's representative, the requestor shall provide to the consumer reporting agency sufficient proof of identification of the protected consumer and the representative, and sufficient proof of authority to act on behalf of the protected consumer.The requestor shall pay to the consumer reporting agency a fee as provided in §54-16-9. Source: SL 2016, ch 230, §7.
SD Codified L § 54-16-8 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 16 - Credit Reporting Security Freeze For Protected Consumers|Section 54-16-8 - Time for removal of security freeze upon request.

54-16-8. Time for removal of security freeze upon request.Within thirty days after receiving a request that meets the requirements of §54-16-7, the consumer reporting agency shall remove the security freeze for the protected consumer. Source: SL 2016, ch 230, §8.
SD Codified L § 54-16-9 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 16 - Credit Reporting Security Freeze For Protected Consumers|Section 54-16-9 - Fees of consumer reporting agency.

54-16-9. Fees of consumer reporting agency.A consumer reporting agency may charge a reasonable fee, not exceeding five dollars, for each placement or removal of a security freeze for a protected consumer. However, no consumer reporting agency may charge a fee under this section if the protected consumer's representative provides a police report or affidavit of alleged identity fraud against the protected consumer to the consumer reporting agency, or a request for the placement or removal of a security freeze is for a protected consumer who is under the age of sixteen years at the time of the request, and the agency has a consumer report pertaining to the protected consumer. No consumer reporting agency may charge a fee for any other service performed under this chapter. Source: SL 2016, ch 230, §9.
SD Codified L § 54-16-10 (2021)
2021 South Dakota Codified Laws|Title 54 - Debtor and Creditor|Chapter 16 - Credit Reporting Security Freeze For Protected Consumers|Section 54-16-10 - Removal of security freeze based on material misrepresentation.

54-16-10. Removal of security freeze based on material misrepresentation.A consumer reporting agency may remove a security freeze for a protected consumer or delete a record of a protected consumer if the security freeze was placed or the record was created based on a material misrepresentation of fact by the protected consumer or the protected consumer's representative. Source: SL 2016, ch 230, §10.
SD Codified L § 55-1-1 (2021)
2021 South Dakota Codified Laws|Title 55 - Fiduciaries and Trusts|Chapter 01 - Classification And Creation Of Trusts|Section 55-1-1 - Purposes for which trust may be created.

55-1-1. Purposes for which trust may be created.Except as otherwise prescribed by chapters 43-4 and 43-25 relating to transfers, a trust may be created for any purpose for which a contract may lawfully be made. Source: CivC 1877, §1293; CL 1887, §3916; RCivC 1903, §1612; RC 1919, §1190; SDC 1939 §59.0104; SL 2017, ch 204, §4.
SD Codified L § 55-1-2 (2021)
2021 South Dakota Codified Laws|Title 55 - Fiduciaries and Trusts|Chapter 01 - Classification And Creation Of Trusts|Section 55-1-2 - Trusts classified.

55-1-2. Trusts classified.A trust is either express or implied. Source: SDC 1939, §59.0101.
SD Codified L § 55-1-3 (2021)
2021 South Dakota Codified Laws|Title 55 - Fiduciaries and Trusts|Chapter 01 - Classification And Creation Of Trusts|Section 55-1-3 - Express trust defined.

55-1-3. Express trust defined.An express trust is an obligation arising out of a personal confidence reposed in and voluntarily accepted by one for the benefit of another. Source: SDC 1939, §59.0101.
SD Codified L § 55-1-4 (2021)
2021 South Dakota Codified Laws|Title 55 - Fiduciaries and Trusts|Chapter 01 - Classification And Creation Of Trusts|Section 55-1-4 - Creation of express trust--Words or acts of trustor.

55-1-4. Creation of express trust--Words or acts of trustor.An express trust is created as to the trustor and beneficiary by any words or acts of the trustor indicating with reasonable certainty:(1)An intention on the part of the trustor to create a trust; and(2)The subject, purpose, and beneficiary of the trust.Any express trust that concerns real property shall also be evidenced in writing. Source: SDC 1939, §59.0105; SL 2017, ch 204, §5.
SD Codified L § 55-1-5 (2021)
2021 South Dakota Codified Laws|Title 55 - Fiduciaries and Trusts|Chapter 01 - Classification And Creation Of Trusts|Section 55-1-5 - Express trust created as to trustee--Words and acts of trustee.

55-1-5. Express trust created as to trustee--Words and acts of trustee.An express trust is created as to the trustee by any words or acts of his, indicating with reasonable certainty:(1)His acceptance of the trust or his acknowledgment, made upon sufficient consideration, of its existence; and(2)The subject, purpose, and beneficiary thereof. Source: SDC 1939, §59.0105.
SD Codified L § 55-1-5.1 (2021)
2021 South Dakota Codified Laws|Title 55 - Fiduciaries and Trusts|Chapter 01 - Classification And Creation Of Trusts|Section 55-1-5.1 - Express trust need not be for exclusive benefit of beneficiaries.

55-1-5.1. Express trust need not be for exclusive benefit of beneficiaries.The terms of an express trust need not be for the exclusive benefit of its beneficiaries, whether or not the beneficiaries are ascertainable. Source: SL 2017, ch 204, §7.
SD Codified L § 55-1-6 (2021)
2021 South Dakota Codified Laws|Title 55 - Fiduciaries and Trusts|Chapter 01 - Classification And Creation Of Trusts|Section 55-1-6 - Implied trust--Definition--Creation.

55-1-6. Implied trust--Definition--Creation.An implied trust is one which is created by operation of law. An implied trust arises in the cases described in §§55-1-7 to 55-1-10, inclusive. Source: SDC 1939, §§59.0101, 59.0102.
SD Codified L § 55-1-6.1 (2021)
2021 South Dakota Codified Laws|Title 55 - Fiduciaries and Trusts|Chapter 01 - Classification And Creation Of Trusts|Section 55-1-6.1 - Implied trust may not prejudice rights of real property purchaser or encumbrancer.

55-1-6.1. Implied trust may not prejudice rights of real property purchaser or encumbrancer.No implied trust may prejudice the rights of a purchaser or encumbrancer of real property for value and without notice of the trust. Source: SL 2017, ch 204, §6.