§ 6-48-4 - Definitions. - Rhode Island Statutes

SECTION 6-48-4

   § 6-48-4  Definitions. – As used in this chapter:

   (a) "Person" means any individual, partnership, corporation,trust, estate, cooperative, association, government or governmental subdivisionor agency, or other entity.

   (b) "Consumer" means an individual who is also a resident ofthis state.

   (c) "Consumer reporting agency" has the meaning ascribed toit in 15 U.S.C. § 1681(a)(f).

   (d) "Consumer report" has the meaning ascribed to it in 15U.S.C. § 1681(a)(d).

   (e) "Credit card" has the same meaning as in § 103 of 15U.S.C. § 1601 et. seq. (The Truth in Lending Act.)

   (f) "Debit card" means any card or device issued by afinancial institution to a consumer for use in initiating an electronic fundtransfer from the account holding assets of the consumer at such financialinstitution, for the purpose of transferring money between accounts orobtaining money, property, labor, or services.

   (g) "Proper identification" means proper identification asdefined in 15 U.S.C. § 1681h(a)(1).

   (h) "Security freeze" means a notice placed in a consumer'scredit report at the request of the consumer and subject to certain exceptions,that prohibits the consumer reporting agency from releasing the consumer'scredit report or score related to the extension of credit.

   (i) "Reviewing the account" or "account review" includesactivities related to account maintenance, monitoring, credit line increases,and account upgrades and enhancements.