Code of Massachusetts Regulations › 201 CMR - OFFICE OF CONSUMER AFFAIRS AND BUSINESS REGULATION › Title 201 CMR 16.00 - Placing, Lifting And Removal Of Security Freezes › Section 16.02 - Definitions

Current through Register 1525, July 5, 2024
The following definitions shall, unless the context requires
				otherwise, have the following meanings:
Consumer Report
. Any written, oral or
				other communication of any information by a consumer reporting agency bearing on a
				consumer's credit worthiness, credit standing or credit capacity which is used or
				expected to be used or collected in whole or in part for the purpose of serving as a
				factor in establishing the consumer's eligibility for:
(a) credit or insurance to be used primarily for personal, family,
				or household purposes; or
(b) employment purposes; or
(c) other purposes authorized under M.G.L. c. 93, § 51.
Consumer Report does not include any report containing information
				solely as to transactions or experiences between the consumer and the person making
				the report, any authorization or approval of a specific extension of credit directly
				or indirectly by the issuer of a credit card or similar device, or any report in
				which a person who has been requested by a third-party to make a specific extension
				of credit directly or indirectly to a consumer conveys his or her decision with
				respect to such request, if the third-party advises the consumer of the name and
				address of the person to whom the request was made and such person makes the
				disclosures to the consumer required under M.G.L. c. 93, § 62.
Consumer Reporting Agency
. Any person
				which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly
				engages in whole or in part in the practice of assembling or evaluating consumer
				credit information or other information on consumers for the purpose of furnishing
				consumer reports to third parties.
Electronic
. Relating to technology having
				electrical, digital, magnetic, wireless, optical, electromagnetic or similar
				capabilities.
Identity Theft Report
. A report that
				alleges a violation of M.G.L. c. 266, § 37E,
				18
				USC §
									1028, or a similar statute in any other
				jurisdiction, or a copy of a report filed by a consumer with an appropriate federal,
				state or local law enforcement agency, and the filing of which subjects the person
				filing the report to criminal penalties pursuant to M.G.L. c. 266, § 67B or
				M.G.L. c. 269, § 13A.
Lift . To suspend a security freeze for the purpose of releasing a
				consumer's credit information to a specific party or for a specified period of time,
				as authorized by the consumer.
Official Information
. A consumer's name,
				date of birth, Social Security number, and address.
Person
. A natural person, corporation,
				association, partnership or other legal entity.
Personal Identification Number
or
Password
. A unique and random number or a unique and
				random combination of numbers, letters or symbols, which cannot contain a consumer's
				Social Security number or any sequence of three or more numbers of a consumer's
				Social Security number, or other personal identifying information.
Proper Identification
. Information
				sufficient to identify a person. Proper identification includes, but is not limited
				to: name, address, Social Security number and date of birth. Proper identification
				does not include information concerning a consumer's employment and personal or
				family history, unless the consumer is unable to reasonably identify himself with
				the above information.
Remove
. To permanently terminate a
				security freeze.
Security Freeze
. A notice placed on a
				person's consumer report by a consumer reporting agency at the request of the
				consumer and subject to certain exceptions. A security freeze prohibits the consumer
				reporting agency from releasing the consumer report or any information derived from
				the consumer report without the express prior authorization of the
				consumer.