reglab/housing_qa huggingface dataset:
IN Code § 24-5-24-2 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-2. "Consumer Report"

Sec. 2. (a) As used in this chapter, "consumer report" means any written, oral, or other communication of any information that:(1) is made by a consumer reporting agency;(2) bears on a consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living; and(3) is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing a consumer's eligibility for credit to be used primarily for personal, family, or household purposes.(b) The term includes a consumer's credit score.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-3 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-3. "Consumer Reporting Agency"

Sec. 3. (a) As used in this chapter, "consumer reporting agency" means any person that, for monetary fees or dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating information concerning a consumer's credit or other information for the purpose of furnishing a consumer report to another person.(b) The term does not include an entity designated as a commercially reasonable private consumer credit reporting entity under IC 24-4.5-7-404(5).As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-4 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-4. "Security Freeze"

Sec. 4. As used in this chapter, "security freeze" means a designation placed on a consumer's consumer report:(1) by a consumer reporting agency; and(2) at the request of the consumer;that prohibits the consumer reporting agency from releasing the consumer report without the authorization of the consumer.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-5 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-5. Requesting and Placing a Security Freeze; Requirements; Exception; Electronic Mail Connection

Sec. 5. (a) A consumer may place a security freeze on the consumer's consumer report by:(1) sending a written request by United States mail to an address designated by the consumer reporting agency; or(2) subject to subsection (d), making a request to a consumer reporting agency through a secure electronic mail connection provided by the consumer reporting agency.(b) Except as provided in subsection (c) and section 11 of this chapter, a consumer reporting agency that receives a request under subsection (a) shall place a security freeze on the consumer's consumer report not later than five (5) business days after receipt of the request.(c) A consumer reporting agency is not required to place a security freeze on a consumer report under this section if the consumer reporting agency determines that the request for a security freeze:(1) is materially false; or(2) does not clearly identify the person making the request as the consumer.(d) Not later than January 1, 2009, a consumer reporting agency shall develop and make available to consumers a secure electronic mail connection by which a consumer can request:(1) the placement of a security freeze on the consumer's consumer report under this section; or(2) the same or a new personal identification number or password under section 6(b) of this chapter.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-6 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-6. Written Confirmation of Security Freeze; Unique Personal Identification Number or Password; Instructions; Time Requirements

Sec. 6. (a) Not later than ten (10) business days after receiving a request for a security freeze under section 5 of this chapter, a consumer reporting agency shall issue to the consumer a written confirmation that a security freeze has been placed on the consumer's consumer report. The confirmation required by this section must include the following:(1) A unique:(A) personal identification number; or(B) password;other than the consumer's Social Security number, or any multiple digit segment of the consumer's Social Security number, to be used by the consumer to perform any of the acts described in subdivision (2).(2) Written instructions explaining how the consumer may:(A) release the consumer's consumer report to one (1) or more specified third parties;(B) temporarily lift the security freeze for a specified period; or(C) remove the security freeze.(3) Written instructions explaining how the consumer may request, using one (1) of the methods described in section 5(a) of this chapter, that the consumer reporting agency issue the same or a new personal identification number or password to the consumer if the consumer fails to retain the original personal identification number or password issued by the consumer reporting agency under subdivision (1).(b) Upon receiving a request described in subsection (a)(3), the consumer reporting agency shall issue the same or a new personal identification number or password to the requesting consumer if the consumer has provided information sufficient to identify the consumer, as specified by the consumer reporting agency in the instructions provided to the consumer under subsection (a)(3). If the consumer's request is made using the method described in section 5(a)(1) of this chapter, the consumer reporting agency shall send, by United States mail, the personal identification number or password to the consumer not later than five (5) business days after receiving the consumer's request. If the consumer's request is made using the method described in section 5(a)(2) of this chapter, the consumer reporting agency shall issue the personal identification number or password not later than:(1) subject to the exceptions set forth in sections 7(e)(2) and 9(c)(2) of this chapter, as applicable, fifteen (15) minutes after receiving the request, if the consumer reporting agency elects to issue the personal identification number or password by a secure electronic mail connection provided by the consumer reporting agency under section 5(d) of this chapter; or(2) five (5) business days after receiving the request, if the consumer reporting agency elects to issue the personal identification number or password by United States mail.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-8 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-8. Application Treated as Incomplete by Third Party; Notification of Security Freeze

Sec. 8. (a) A third party that requests a consumer's consumer report in connection with an application by the consumer for credit shall treat the application for credit as incomplete if:(1) a security freeze has been placed on the consumer's consumer report;(2) the consumer has not authorized the release of the consumer's consumer report under section 7 of this chapter; and(3) the consumer reporting agency refuses to release the consumer report to the third party based on subdivisions (1) and (2).(b) A consumer reporting agency that refuses under subsection (a)(3) to release a consumer report shall notify the third party requesting the consumer report of the existence of a security freeze as the basis for the refusal to release the consumer report to the third party.(c) A consumer reporting agency shall not:(1) state; or(2) otherwise imply;to a third party that the consumer's security freeze under this chapter reflects a negative credit score, history, report, or rating.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-10 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-10. Persons Excluded From Security Freeze Restrictions

Sec. 10. The placement of a security freeze on a consumer's consumer report does not prohibit a consumer reporting agency from providing the consumer's consumer report to the following persons without the authorization of the consumer:(1) A person, including a subsidiary, an affiliate, an agent, an assignee of a financial obligation owed by the consumer to the person, or a prospective assignee of a financial obligation owed by the consumer to the person in connection with the proposed purchase of the financial obligation, to whom the consumer owes a financial obligation in connection with any of the following:(A) An account, including a demand deposit account, that the consumer has with the person, for the purpose of:(i) reviewing the account, including activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements; or(ii) collecting the obligation owed in connection with the account.(B) A contract, for the purpose of collecting the obligation owed in connection with the contract.(C) A negotiable instrument that the consumer has issued to the person, for the purpose of collecting the obligation owed in connection with the negotiable instrument.(2) A person, including a subsidiary, an affiliate, an agent, or an assignee of a financial obligation owed by the consumer to the person, to whom the consumer has authorized the release of the consumer's consumer report under section 7(a)(1) of this chapter, for the purpose of facilitating the extension of credit or for any permissible purpose under subdivision (1).(3) A law enforcement agency.(4) Any person for the purpose of prescreening, as provided in the federal Fair Credit Reporting Act (15 U.S.C. 1681 et seq.).(5) Any person administering a credit monitoring subscription service to which the consumer has subscribed.(6) The consumer, upon the consumer's request, or any other person for the purpose of providing the consumer with a copy of the consumer's consumer report, upon the consumer's request.(7) Any of the following that provides services to a consumer:(A) An insurer licensed under IC 27.(B) An insurance producer licensed under IC 27.(C) An agent, a vendor, or an employee of:(i) an insurer licensed under IC 27; or(ii) an insurance producer licensed under IC 27;while acting on behalf of the insurer or the insurance producer.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-11 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-11. "Energy Utility"; "Specialized Credit Reporting Tool"; Persons Excluded From Security Freeze Requirements

Sec. 11. (a) As used in this section, "energy utility" has the meaning set forth in IC 8-1-2.5-2.(b) As used in this section, "specialized credit reporting tool" means a scoring model that:(1) is available only to an energy utility; and(2) is used by the energy utility to validate a consumer's identity and creditworthiness.(c) The following persons are not required to place a security freeze on a consumer's consumer report:(1) A consumer reporting agency that acts only as a reseller (as defined in 15 U.S.C. 1681a(u)) of information. However, a consumer reporting agency must honor any security freeze placed on a consumer's consumer report by another consumer reporting agency.(2) A:(A) check services; or(B) fraud prevention services;company that reports on incidents of fraud or issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payment.(3) A deposit account information service company that issues reports concerning account closures due to:(A) fraud;(B) substantial overdrafts;(C) ATM abuse; or(D) similar negative information concerning a consumer;to inquiring financial institutions for use only in reviewing a consumer's request for a deposit account at the inquiring financial institution.(4) A consumer reporting agency that furnishes specialized credit reporting tools to an energy utility.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-12 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-12. Written Confirmation of Change to Official Information; Exception for Technical Modification

Sec. 12. (a) Except as provided in subsection (b), if a security freeze is in place with respect to a consumer's consumer report, a consumer reporting agency may not change any of the following official information on the consumer's consumer report without sending written confirmation of the change to the consumer not later than thirty (30) days after the change is posted to the consumer's consumer report:(1) Name.(2) Date of birth.(3) Social Security number.(4) Address.In the case of an address change, the written confirmation required under this section shall be sent to both the new address and the old address.(b) Written confirmation is not required under this section for technical modifications of a consumer's official information, including changes involving:(1) the use of name or street:(A) abbreviations; or(B) complete spellings; or(2) transpositions of numbers or letters in a consumer's name or address.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-13 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-13. Notice With Written Disclosure; Content

Sec. 13. A consumer reporting agency shall provide to a consumer notice with each written disclosure by the consumer reporting agency as required under Section 609 of the federal Fair Credit Reporting Act (15 U.S.C. 1681g) that the consumer may place a security freeze on the consumer's consumer report. The notice under this section must be in the following form:"UNDER IC 24-5-24, YOU MAY OBTAIN A SECURITY FREEZE ON YOUR CONSUMER REPORT TO PROTECT YOUR PRIVACY AND ENSURE THAT CREDIT IS NOT GRANTED IN YOUR NAME WITHOUT YOUR KNOWLEDGE. THE SECURITY FREEZE WILL PROHIBIT A CONSUMER REPORTING AGENCY FROM RELEASING ANY INFORMATION IN YOUR CONSUMER REPORT WITHOUT YOUR EXPRESS AUTHORIZATION OR APPROVAL. THE SECURITY FREEZE IS DESIGNED TO PREVENT CREDIT LOANS AND SERVICES FROM BEING APPROVED IN YOUR NAME WITHOUT YOUR CONSENT. WHEN YOU PLACE A SECURITY FREEZE ON YOUR CONSUMER REPORT, WITHIN TEN (10) BUSINESS DAYS YOU WILL BE PROVIDED A PERSONAL IDENTIFICATION NUMBER TO USE IF YOU CHOOSE TO REMOVE THE SECURITY FREEZE OR TO TEMPORARILY AUTHORIZE THE RELEASE OF YOUR CONSUMER REPORT FOR A PERIOD OF TIME OR TO A SPECIFIC PERSON AFTER THE SECURITY FREEZE IS IN PLACE. A SECURITY FREEZE DOES NOT APPLY TO PERSONS OR ENTITIES LISTED IN IC 24-5-24-11. IF YOU ARE ACTIVELY SEEKING CREDIT, YOU SHOULD UNDERSTAND THAT THE PROCEDURES INVOLVED IN LIFTING A SECURITY FREEZE MAY SLOW YOUR OWN APPLICATIONS FOR CREDIT. YOU HAVE A RIGHT TO BRING A CIVIL ACTION AGAINST SOMEONE WHO VIOLATES YOUR RIGHTS UNDER IC 24-5-24.".As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-14 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-14. Fee Prohibited

Sec. 14. A consumer reporting agency may not impose a charge on a consumer for a request from the consumer to do any of the following:(1) Place a security freeze on a consumer's consumer report under section 5 of this chapter.(2) Issue the same or a new personal identification number or password to a consumer under section 6 of this chapter.(3) Release a consumer's consumer report to a third party upon request of the consumer under section 7(a)(1) of this chapter. In addition a consumer reporting agency may not impose a charge on the third party to whom the consumer's consumer report is released under section 7(a)(1) of this chapter in connection with the release.(4) Temporarily lift a security freeze under section 7(a)(2) of this chapter.(5) Remove a security freeze under section 9 of this chapter.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-15 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-15. Civil Action; Liability

Sec. 15. (a) A consumer who suffers injury by an act of a consumer reporting agency that violates this chapter may bring a civil action against the consumer reporting agency in a circuit or superior court in the county in which the consumer resides.(b) A person who knowingly or intentionally fails to comply with any requirement imposed under this chapter with respect to a consumer is liable to that consumer in an amount equal to the sum of the following:(1) The greater of:(A) the amount of actual damages sustained by the consumer as a result of the failure to comply; or(B) five hundred dollars ($500).However, the amount awarded to a consumer under this subdivision may not exceed six thousand dollars ($6,000), regardless of the consumer's actual damages.(2) Such punitive damages as the court may allow.(3) In the case of a successful action by a consumer under this section, the costs of the action together with reasonable attorney's fees as determined by the court.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-16 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-16. Civil Penalty

Sec. 16. (a) The attorney general may bring an action to recover from a person on behalf of the state a civil penalty described in subsection (b).(b) A person who knowingly or intentionally violates this chapter is subject to a civil penalty of:(1) not more than two thousand five hundred dollars ($2,500) for a violation or series of violations concerning one (1) consumer; or(2) not more than a total of one hundred thousand dollars ($100,000) for related violations concerning more than one (1) consumer.As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24-17 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24. Security Freezes for Consumer Reports|24-5-24-17. Severability

Sec. 17. The provisions of this chapter are severable as provided in IC 1-1-1-8(b).As added by P.L.104-2007, SEC.1.
IN Code § 24-5-24.5-1 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24.5. Security Freezes for Protected Consumers|24-5-24.5-1. "Consumer"

Sec. 1. As used in this chapter, "consumer" means an individual whose principal residence is in Indiana.As added by P.L.65-2014, SEC.9.
IN Code § 24-5-24.5-2 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24.5. Security Freezes for Protected Consumers|24-5-24.5-2. "Consumer Report"

Sec. 2. As used in this chapter, "consumer report" has the meaning set forth in IC 24-5-24-2.As added by P.L.65-2014, SEC.9.
IN Code § 24-5-24.5-3 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24.5. Security Freezes for Protected Consumers|24-5-24.5-3. "Consumer Reporting Agency"

Sec. 3. As used in this chapter, "consumer reporting agency" has the meaning set forth in IC 24-5-24-3.As added by P.L.65-2014, SEC.9.
IN Code § 24-5-24.5-4 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24.5. Security Freezes for Protected Consumers|24-5-24.5-4. "Protected Consumer"

Sec. 4. As used in this chapter, "protected consumer" means an individual who is:(1) less than sixteen (16) years of age; or(2) an incapacitated person (as defined in IC 29-3-1-7.5) for whom a court has appointed a guardian.As added by P.L.65-2014, SEC.9.
IN Code § 24-5-24.5-5 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24.5. Security Freezes for Protected Consumers|24-5-24.5-5. "Record"

Sec. 5. As used in this chapter, "record" means a compilation of information that:(1) identifies a protected consumer;(2) is created by a consumer reporting agency solely for the purpose of complying with this chapter; and(3) is not created or used to consider the protected consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.As added by P.L.65-2014, SEC.9.
IN Code § 24-5-24.5-6 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24.5. Security Freezes for Protected Consumers|24-5-24.5-6. "Representative"

Sec. 6. As used in this chapter, "representative" means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.As added by P.L.65-2014, SEC.9.
IN Code § 24-5-24.5-7 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24.5. Security Freezes for Protected Consumers|24-5-24.5-7. "Security Freeze"

Sec. 7. As used in this chapter, "security freeze" means:(1) if a consumer reporting agency does not have a consumer report pertaining to a protected consumer, a restriction that:(A) is placed on the protected consumer's record in accordance with this chapter; and(B) prohibits the consumer reporting agency from releasing the protected consumer's record except as provided under this chapter; or(2) if a consumer reporting agency has a consumer report for the protected consumer, a restriction that:(A) is placed on the protected consumer's consumer report in accordance with this chapter; and(B) prohibits the consumer reporting agency from releasing the protected consumer's consumer report or any information derived from the protected consumer's consumer report except as provided in this chapter.As added by P.L.65-2014, SEC.9.
IN Code § 24-5-24.5-8 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24.5. Security Freezes for Protected Consumers|24-5-24.5-8. "Sufficient Proof of Authority"

Sec. 8. As used in this chapter, "sufficient proof of authority" means documentation that shows a representative has authority to act on behalf of a protected consumer and includes:(1) an order issued by a court of law;(2) a lawfully executed and valid power of attorney; or(3) a written, notarized statement signed by a representative that expressly describes the authority of the representative to act on behalf of a protected consumer.As added by P.L.65-2014, SEC.9.
IN Code § 24-5-24.5-9 (2021)
2021 Indiana Code|Title 24. Trade Regulation|Article 5. Consumer Sales|Chapter 24.5. Security Freezes for Protected Consumers|24-5-24.5-9. "Sufficient Proof of Identification"

Sec. 9. As used in this chapter, "sufficient proof of identification" means information or documentation that identifies a protected consumer or a representative of a protective consumer and includes:(1) a Social Security number or a copy of a Social Security card issued by the Social Security Administration;(2) a certified or official copy of a birth certificate issued by an entity authorized to issue the birth certificate; or(3) a copy of a valid state issued driver's license, a valid state issued identification card, or any valid government issued identification.As added by P.L.65-2014, SEC.9.