reglab/housing_qa huggingface dataset:
AK Stat § 45.48.030 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 1. Breach of Security Involving Personal Information.|Sec. 45.48.030. Methods of notice.

An information collector shall make the disclosure required by AS 45.48.010 (1) by a written document sent to the most recent address the information collector has for the state resident; (2) by electronic means if the information collector's primary method of communication with the state resident is by electronic means or if making the disclosure by the electronic means is consistent with the provisions regarding electronic records and signatures required for notices legally required to be in writing under 15 U.S.C. 7001 et seq. (Electronic Signatures in Global and National Commerce Act); or (3) if the information collector demonstrates that the cost of providing notice would exceed $150,000, that the affected class of state residents to be notified exceeds 300,000, or that the information collector does not have sufficient contact information to provide notice, by (A) electronic mail if the information collector has an electronic mail address for the state resident; (B) conspicuously posting the disclosure on the Internet website of the information collector if the information collector maintains an Internet website; and (C) providing a notice to major statewide media.
AK Stat § 45.48.040 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 1. Breach of Security Involving Personal Information.|Sec. 45.48.040. Notification of certain other agencies.

(a) If an information collector is required by AS 45.48.010 to notify more than 1,000 state residents of a breach, the information collector shall also notify without unreasonable delay all consumer credit reporting agencies that compile and maintain files on consumers on a nationwide basis and provide the agencies with the timing, distribution, and content of the notices to state residents. (b) This section may not be construed to require the information collector to provide the consumer reporting agencies identified under (a) of this section with the names or other personal information of the state residents whose personal information was subject to the breach. (c) This section does not apply to an information collector who is subject to the Gramm-Leach-Bliley Financial Modernization Act. (d) In this section, “consumer credit reporting agency that compiles and maintains files on consumers on a nationwide basis” has the meaning given to “consumer reporting agency that compiles and maintains files on consumers on a nationwide basis” in 15 U.S.C. 1681a(p).
AK Stat § 45.48.050 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 1. Breach of Security Involving Personal Information.|Sec. 45.48.050. Exception for employees and agents.

In AS 45.48.010 - 45.48.090, the good faith acquisition of personal information by an employee or agent of an information collector for a legitimate purpose of the information collector is not a breach of the security of the information system if the employee or agent does not use the personal information for a purpose unrelated to a legitimate purpose of the information collector and does not make further unauthorized disclosure of the personal information.
AK Stat § 45.48.060 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 1. Breach of Security Involving Personal Information.|Sec. 45.48.060. Waivers.

A waiver of AS 45.48.010 - 45.48.090 is void and unenforceable.
AK Stat § 45.48.070 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 1. Breach of Security Involving Personal Information.|Sec. 45.48.070. Treatment of certain breaches.

(a) If a breach of the security of the information system containing personal information on a state resident that is maintained by an information recipient occurs, the information recipient is not required to comply with AS 45.48.010 - 45.48.030. However, immediately after the information recipient discovers the breach, the information recipient shall notify the information distributor who owns the personal information or who licensed the use of the personal information to the information recipient about the breach and cooperate with the information distributor as necessary to allow the information distributor to comply with (b) of this section. In this subsection, “cooperate” means sharing with the information distributor information relevant to the breach, except for confidential business information or trade secrets. (b) If an information recipient notifies an information distributor of a breach under (a) of this section, the information distributor shall comply with AS 45.48.010 - 45.48.030 as if the breach occurred to the information system maintained by the information distributor.
AK Stat § 45.48.080 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 1. Breach of Security Involving Personal Information.|Sec. 45.48.080. Violations.

(a) If an information collector who is a governmental agency violates AS 45.48.010 - 45.48.090 with regard to the personal information of a state resident, the information collector (1) is liable to the state for a civil penalty of up to $500 for each state resident who was not notified under AS 45.48.010 - 45.48.090, but the total civil penalty may not exceed $50,000; and (2) may be enjoined from further violations. (b) If an information collector who is not a governmental agency violates AS 45.48.010 - 45.48.090 with regard to the personal information of a state resident, the violation is an unfair or deceptive act or practice under AS 45.50.471 - 45.50.561. However, (1) the information collector is not subject to the civil penalties imposed under AS 45.50.551 but is liable to the state for a civil penalty of up to $500 for each state resident who was not notified under AS 45.48.010 - 45.48.090, except that the total civil penalty may not exceed $50,000; and (2) damages that may be awarded against the information collector under (A) AS 45.50.531 are limited to actual economic damages that do not exceed $500; and (B) AS 45.50.537 are limited to actual economic damages. (c) The Department of Administration may enforce (a) of this section against a governmental agency. The procedure for review of an order or action of the department under this subsection is the same as the procedure provided by AS 44.62 (Administrative Procedure Act), except that the office of administrative hearings (AS 44.64.010) shall conduct the hearings in contested cases and the decision may be appealed under AS 44.64.030(c).
AK Stat § 45.48.090 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 1. Breach of Security Involving Personal Information.|Sec. 45.48.090. Definitions.

In AS 45.48.010 - 45.48.090, (1) “breach of the security” means unauthorized acquisition, or reasonable belief of unauthorized acquisition, of personal information that compromises the security, confidentiality, or integrity of the personal information maintained by the information collector; in this paragraph, “acquisition” includes acquisition by (A) photocopying, facsimile, or other paper-based method; (B) a device, including a computer, that can read, write, or store information that is represented in numerical form; or (C) a method not identified by (A) or (B) of this paragraph; (2) “covered person” means a (A) person doing business; (B) governmental agency; or (C) person with more than 10 employees; (3) “governmental agency” means a state or local governmental agency, except for an agency of the judicial branch; (4) “information collector” means a covered person who owns or licenses personal information in any form if the personal information includes personal information on a state resident; (5) “information distributor” means a person who is an information collector and who owns or licenses personal information to an information recipient; (6) “information recipient” means a person who is an information collector but who does not own or have the right to license to another information collector the personal information received by the person from an information distributor; (7) “personal information” means information in any form on an individual that is not encrypted or redacted, or is encrypted and the encryption key has been accessed or acquired, and that consists of a combination of (A) an individual's name; in this subparagraph, “individual's name” means a combination of an individual's (i) first name or first initial; and (ii) last name; and (B) one or more of the following information elements: (i) the individual's social security number; (ii) the individual's driver's license number or state identification card number; (iii) except as provided in (iv) of this subparagraph, the individual's account number, credit card number, or debit card number; (iv) if an account can only be accessed with a personal code, the number in (iii) of this subparagraph and the personal code; in this sub-subparagraph, “personal code” means a security code, an access code, a personal identification number, or a password; (v) passwords, personal identification numbers, or other access codes for financial accounts.
AK Stat § 45.48.100 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.100. Security freeze authorized.

A consumer may prohibit a consumer credit reporting agency from releasing the consumer's credit report or credit score without the express authorization of the consumer by placing a security freeze on the consumer's credit report.
AK Stat § 45.48.110 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.110. Placement of security freeze.

(a) To place a security freeze, a consumer shall make the request to the consumer credit reporting agency (1) by mail to the address designated by the consumer credit reporting agency to receive security freeze requests; or (2) as allowed by (b) of this section. (b) A consumer may make a request under (a) of this section by telephone or by facsimile, the Internet, or other electronic media if the consumer credit reporting agency has developed procedures for using the telephone or an electronic medium to receive and process the request in an expedited manner. (c) A consumer credit reporting agency shall place a security freeze within five business days after receiving a request under (a) or (b) of this section and proper identification from the consumer.
AK Stat § 45.48.120 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.120. Confirmation of security freeze.

(a) Within 10 business days after a consumer makes the request under AS 45.48.110, a consumer credit reporting agency shall send a written confirmation of the placement of the security freeze to the consumer. The confirmation must also inform the consumer that the consumer credit reporting agency may charge, as allowed by AS 45.48.160, a fee for third-party access during the security freeze. (b) At the same time that the consumer credit reporting agency sends a confirmation under (a) of this section, the consumer credit reporting agency shall provide the consumer with a unique personal identification number, password, or similar device to be used by the consumer when the consumer authorizes the release of the consumer's credit report or credit score under AS 45.48.130.
AK Stat § 45.48.140 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.140. Removal of security freeze.

(a) Except as provided by AS 45.48.130, a consumer credit reporting agency may not remove a security freeze unless (1) the consumer requests that the consumer credit reporting agency remove the security freeze under (b) of this section; or (2) the consumer made a material misrepresentation of fact to the consumer credit reporting agency when the consumer requested the security freeze under AS 45.48.110; if a consumer credit reporting agency intends to remove a security freeze on a consumer's credit report under this paragraph, the consumer credit reporting agency shall notify the consumer in writing before removing the security freeze. (b) A consumer credit reporting agency shall remove a security freeze within three business days after receiving a request for removal from the consumer who requested the security freeze. (c) To make a request under (b) of this section, the consumer shall contact the consumer credit reporting agency by mail or as allowed by (d) of this section, authorize the consumer credit reporting agency to remove the security freeze, and provide the consumer credit reporting agency with (1) proper identification to verify the consumer's identity; and (2) the unique personal identification number, password, or similar device provided under AS 45.48.120(b). (d) In addition to mail, a consumer may make a request under (b) of this section by telephone or by facsimile, the Internet, or other electronic media if the consumer credit reporting agency has developed procedures for using the telephone or an electronic medium to receive and process the request in an expedited manner.
AK Stat § 45.48.150 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.150. Prohibition.

When dealing with a third party, a consumer credit reporting agency may not suggest, state, or imply that a consumer's security freeze reflects a negative credit score, history, report, or rating.
AK Stat § 45.48.160 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.160. Charges.

(a) Except as provided by (b), (c), or (d) of this section, a consumer credit reporting agency may not charge a consumer to place or remove a security freeze, to provide access under AS 45.48.130, or to take any other action, including the issuance of a personal identification number, password, or similar device under AS 45.48.120, that is related to the placement of, removal of, or allowing access to a credit report or credit score on which a security freeze has been placed. (b) A consumer credit reporting agency may charge a consumer $5 for placing a security freeze. (c) A consumer credit reporting agency may charge the consumer $2 for each access request made by the consumer. In this subsection, “access request” means a request made by the consumer under AS 45.48.130 to allow third-party access to the consumer's credit report or credit score on which a security freeze has been placed. (d) If a consumer fails to retain a personal identification number, password, or similar device issued under AS 45.48.120, a consumer credit reporting agency may charge the consumer up to $5 for each time after the first time that the consumer credit reporting agency issues the consumer another personal identification number, password, or similar device because the consumer failed to retain the personal identification number, password, or similar device. (e) A consumer credit reporting agency may not charge a consumer a fee under (b) or (c) of this section if the consumer has been a victim of identity theft and provides the consumer credit reporting agency with a complaint filed by the consumer with a law enforcement agency.
AK Stat § 45.48.180 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.180. Notification after violation.

If a consumer credit reporting agency violates a security freeze by releasing a consumer's credit report or credit score, the consumer credit reporting agency shall notify the consumer within five business days after discovering or being notified of the release, and the information in the notice must include an identification of the information released and of the third party who received the information.
AK Stat § 45.48.190 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.190. Resellers.

A consumer credit reporting agency that acts as a reseller of consumer information shall honor a security freeze placed on a consumer's credit report and credit score by another consumer credit reporting agency.
AK Stat § 45.48.200 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.200. Violations and penalties.

(a) A consumer who suffers damages as a result of a person's violation of AS 45.48.100 - 45.48.290 may bring an action in court against the person and recover, in the case of a violation where the person acted (1) negligently, actual economic damages, court costs allowed by the rules of court, and full reasonable attorney fees; (2) knowingly, (A) damages as described in (1) of this subsection; (B) punitive damages that are not less than $100 or more than $5,000 for each violation as the court determines to be appropriate; and (C) other relief that the court determines to be appropriate. (b) A consumer may bring an action in court against a person for a violation or threatened violation of AS 45.48.100 - 45.48.290 for injunctive relief, whether or not the consumer seeks another remedy under this section. (c) Notwithstanding (a)(2) of this section, a person who knowingly violates AS 45.48.100 - 45.48.290 is liable in a class action for an amount that the court allows. When determining the amount of an award in a class action under this subsection, the court shall consider, among the relevant factors, the amount of any actual damages awarded, the frequency of the violations, the resources of the violator, and the number of consumers adversely affected. (d) In this section, “knowingly” has the meaning given in AS 11.81.900.
AK Stat § 45.48.210 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.210. Exemptions.

(a) The provisions of AS 45.48.100 - 45.48.290 do not apply to the use of a credit report by (1) a person, the person's subsidiary, affiliate, or agent, or the person's assignee with whom a consumer has or, before the assignment, had an account, contract, or debtor-creditor relationship if the purpose of the use is to review the consumer's account or to collect a financial obligation owing on the account, contract, or debt; (2) a subsidiary, an affiliate, an agent, an assignee, or a prospective assignee of a person to whom access has been granted under AS 45.48.130 if the purpose of the use is to facilitate the extension of credit or another permissible use; (3) a person acting under a court order, warrant, or subpoena; (4) an agency of a state or municipality that administers a program for establishing and enforcing child support obligations; (5) the Department of Health and Social Services, its agents, or its assigns when investigating fraud; (6) the Department of Revenue, its agents, or its assigns when investigating or collecting delinquent taxes or unpaid court orders or when implementing its other statutory responsibilities; (7) a person if the purpose of the use is prescreening allowed under 15 U.S.C. 1681b(c) (Fair Credit Reporting Act); (8) a person administering a credit file monitoring subscription service to which the consumer has subscribed; (9) a person providing a consumer with a copy of the consumer's credit report or credit score at the consumer's request; (10) a person if the database or file of the consumer credit reporting agency consists entirely of information concerning and used solely for one or more of the following purposes: (A) criminal record information; (B) personal loss history information; (C) fraud prevention or detection; (D) tenant screening; or (E) employment screening; or (11) a person for use for insurance purposes in setting a rate, adjusting a rate, adjusting a claim, or underwriting, except that this paragraph may not be interpreted to authorize an insurance practice that is prohibited by other law; this paragraph may not be interpreted to affect AS 21.36.460 or AS 21.39.035. (b) Except as provided by AS 45.48.190, the provisions of AS 45.48.100 - 45.48.290 do not apply to a person when acting only as a reseller of consumer information.
AK Stat § 45.48.220 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.220. Request by parent or legal guardian.

A parent, legal guardian, or conservator of a minor, incapacitated person, or protected person may make a request under AS 45.48.100 - 45.48.290 on behalf of a consumer who is the minor, incapacitated person, or protected person under the supervision of that parent, legal guardian, or conservator. If a consumer credit report does not exist at the time of a request under this section, the consumer credit reporting agency shall generate a consumer credit report for the purpose of placing a security freeze. In this section, (1) “conservator” means a person appointed or qualified by a court to manage the property of an individual or a person legally authorized to perform substantially the same functions; (2) “incapacitated person” has the meaning given in AS 47.24.900; (3) “minor” means a child under 18 years of age who has not had the disabilities of a minor removed as described in AS 09.55.590; (4) “protected person” has the meaning given in AS 13.27.490.
AK Stat § 45.48.290 (2021)
2021 Alaska Statutes|Title 45. Trade and Commerce|Chapter 48. Personal Information Protection Act|Article 2. Credit Report and Credit Score Security Freeze.|Sec. 45.48.290. Definitions.

In AS 45.48.100 - 45.48.290, (1) “account review” means activities related to account maintenance, account monitoring, credit line increases, and account upgrades and enhancements; (2) “consumer” means an individual who is the subject of a credit report or credit score; (3) “consumer credit reporting agency” has the meaning given in AS 45.48.990, but does not include a person who issues reports (A) on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payments; or (B) regarding account closures because of fraud, substantial overdrafts, automated teller machine abuse, or similar negative information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing consumer requests for deposit accounts at the inquiring banks or financial institutions; (4) “reseller of consumer information” means a person who assembles and merges information contained in the databases of consumer credit reporting agencies and does not maintain a permanent database of consumer information from which new consumer credit reports are produced; (5) “security freeze” means a prohibition against a consumer credit reporting agency's releasing a consumer's credit report or credit score without the express authorization of the consumer; (6) “third party” means a person who is not (A) the consumer who is the subject of the consumer's credit report or credit score; or (B) the consumer credit reporting agency that is holding the consumer's credit report or credit score.