Arkansas Consumer Report Security Freeze Act

This act governs consumer credit reporting by giving consumers the right to place a security freeze on their credit report, restricting the circumstances under which a consumer reporting agency may release that report or information from it to third parties. It establishes the procedures for placing and lifting a freeze — including consumer requests for removal, written confirmation back to the consumer, permissible fees and exceptions to them, categories of users and entities exempt from the freeze, and required notice to consumers of their rights. Compliance is backed by a civil action along with penalties and other remedies, and nothing in the act prevents disclosing to a third party that a freeze is in effect.

Editorial summary generated from the text of this act. It is not part of the statute — read the sections below for the operative language.