13-45-102 - Definitions. - Utah Statutes

13-45-102. Definitions.
As used in this chapter:
(1) "Consumer" means a natural person.
(2) "Consumer reporting agency" means a person who, for fees, dues, or on a cooperativebasis, regularly engages in whole or in part in the practice of assembling or evaluatinginformation concerning a consumer's credit or other information for the purpose of furnishing acredit report to another person.
(3) "Credit report" means a consumer report, as defined in 15 U.S.C. Sec. 1681a, that isused or collected in whole or part for the purpose of serving as a factor in establishing aconsumer's eligibility for credit for personal, family, or household purposes.
(4) "Normal business hours" means Sunday through Saturday, between the hours of 6:00a.m. and 9:30 p.m., Mountain Standard or Mountain Daylight Time.
(5) (a) "Personal information" means personally identifiable financial information:
(i) provided by a consumer to another person;
(ii) resulting from any transaction with the consumer or any service performed for theconsumer; or
(iii) otherwise obtained by another person.
(b) "Personal information" does not include:
(i) publicly available information, as that term is defined by the regulations prescribedunder 15 U.S.C. Sec. 6804; or
(ii) any list, description, or other grouping of consumers, and publicly availableinformation pertaining to the consumers, that is derived without using any nonpublic personalinformation.
(c) Notwithstanding Subsection (5)(b), "personal information" includes any list,description, or other grouping of consumers, and publicly available information pertaining to theconsumers, that is derived using any nonpublic personal information other than publicly availableinformation.
(6) "Proper identification" has the same meaning as in 15 U.S.C. Sec. 1681h(a)(1), andincludes:
(a) the consumer's full name, including first, last, and middle names and any suffix;
(b) any name the consumer previously used;
(c) the consumer's current and recent full addresses, including street address, anyapartment number, city, state, and ZIP code;
(d) the consumer's social security number; and
(e) the consumer's date of birth.
(7) "Security freeze" means a prohibition, consistent with Section 13-45-201, on aconsumer reporting agency's furnishing of a consumer's credit report to a third party intending touse the credit report to determine the consumer's eligibility for credit.

Enacted by Chapter 344, 2006 General Session