50-724. Security freeze; exceptions. (a) Nothing in K.S.A. 2021 Supp. 50-723, and amendments thereto, shall be construed to require the following to place a security freeze on a consumer report:
(1) A check services or fraud prevention services company, which issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payments;
(2) a deposit account information service company which issues to inquiring banks or other financial institutions, for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution, reports regarding account closures due to fraud, substantial overdrafts, ATM abuse or similar negative information regarding a consumer;
(3) a consumer reporting agency that acts as a reseller of credit information that assembles or merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies and does not maintain a permanent database of credit information from which new consumer reports are produced;
(4) any database or file which consists solely of any information adverse to the interests of the consumer, including, but not limited to, criminal record information, which is used for fraud prevention or detection, tenant screening, employment screening or any purpose permitted by the federal fair credit reporting act, 15 U.S.C. § 1681b;
(5) a person to the extent such person offers fraud prevention services that issues reports on incidents of fraud or reports used primarily in the detection or prevention of fraud; or
(6) any bank, savings bank, trust company, savings and loan association, credit union or any other financial institution regulated by the state of Kansas or any agency of the United States.
(b) This section shall be part of and supplemental to the fair credit reporting act.
(c) This section shall take effect and be in force on and after January 1, 2007.
History: L. 2006, ch. 149, § 13; July 1.
Structure Kansas Statutes
Chapter 50 - Unfair Trade And Consumer Protection
Article 7 - Fair Credit Reporting
50-702 Definitions and rules of construction.
50-703 Permissible purposes of reports.
50-705 Disclosure of investigative consumer reports.
50-707 Disclosures to governmental agencies.
50-708 Disclosures to consumers.
50-709 Conditions of disclosure to consumers.
50-710 Procedure in case of disputed accuracy.
50-711 Charges for certain disclosures.
50-712 Public record information for employment purposes.
50-713 Restrictions on investigative consumer reports.
50-714 Requirements on users of consumer reports.
50-715 Civil liability for willful noncompliance.
50-716 Civil liability for negligent noncompliance.
50-717 Jurisdiction of courts; limitation of actions.
50-718 Obtaining information under false pretenses.
50-719 Unauthorized disclosures by officers or employees.
50-721 Enforcement by consumer credit commissioner.
50-723 Security freeze on consumer report; requirements; procedure; damages.
50-724 Security freeze; exceptions.
50-725 Security freeze for protected consumers; requirements; procedure.