Oklahoma Statutes
Title 24. Debtor and Creditor
§24-151. Written request for security freeze - Processing time - Confirmation of freeze and identification number - Disclosures.

A. A consumer may request that a security freeze be placed on his or her consumer report by sending a request in writing by certified mail to a consumer reporting agency at an address designated by the consumer reporting agency to receive such requests. This subsection does not prevent a consumer reporting agency from advising a third party that a security freeze is in effect with respect to the consumer report of a consumer.

B. A consumer reporting agency shall place a security freeze on a consumer report of a consumer no later than five (5) business days after receiving from the consumer:
1. A written request as provided in subsection A of this section;
2. Proper identification; and
3. Payment of the required fee, if applicable.
Provided, however, with respect to any security freeze requested before May 1, 2007, the deadline stated in this subsection shall be ten (10) business days if a consumer reporting agency in good faith is unable to process during normal business hours the quantity of security freeze requests being received.
C. The consumer reporting agency shall send a written confirmation of the placement of the security freeze to the consumer within ten (10) business days. Upon placing the security freeze on the consumer report of the consumer, the consumer reporting agency shall provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the release of his or her consumer report for a specific period of time.
D. If a consumer requests a security freeze, the consumer reporting agency shall disclose the process of placing and temporarily lifting a freeze, and the process for allowing access to information from the consumer report of the consumer for a period of time while the freeze is in place.
Added by Laws 2006, c. 283, § 3, eff. Jan. 1, 2007.

Structure Oklahoma Statutes

Oklahoma Statutes

Title 24. Debtor and Creditor

§24-1. Debtor defined.

§24-2. Creditor defined.

§24-3. Fraud only invalidates contracts of debtor.

§24-4. Alternative right to several funds.

§24-11. Preferences permitted.

§24-12. Fraudulent debts - When due.

§24-13. Insurance on life of debtor - Conditions.

§24-14. Insurance on life of debtor - Penalties.

§24-15. Debt pooling - Prohibition.

§24-16. Debt pooling - Definition.

§24-17. Debt pooling - Penalties.

§24-18. Debt pooling - Application of act.

§24-31. Allowable, when - Preference, effect of.

§24-32. Insolvency defined.

§24-33. Subsisting liabilities.

§24-34. Assignments void in certain cases.

§24-35. Assignment to be in writing and signed - Acknowledgment, proof and certification.

§24-36. Void unless made as prescribed.

§24-37. Rights of assignee.

§24-38. Inventory, necessity and requisites of.

§24-39. Inventory verified.

§24-40. Record of assignment and inventory - Place of filing - Nonresidents.

§24-41. More than one assignor - Recording assignment - Filing inventory - Nonresidents.

§24-42. Time of recording - Effect of failure to record within time specified.

§24-43. Real property.

§24-44. Bond of assignee.

§24-45. Authority of assignee begins, when.

§24-46. Accounting by assignee - Supervision by judge of district court - Removal or discharge - Bankruptcy proceedings.

§24-47. Exempt property and life insurance do not pass - Exception.

§24-48. Compensation of assignee.

§24-49. Good faith protects assignee.

§24-50. Cancellation or modification of assignment - Assent of creditor affected.

§24-81. Persons furnishing ratings to request statement of assets and liabilities.

§24-82. Copy of opinion furnished person to whom it relates.

§24-83. False credit information or false rating - Penalty - Damages.

§24-84. Person rated may see rate book - Penalty.

§24-85. False credit statement.

§24-86. Restrictions on inclusion of tax lien information in credit report or rating.

§24-112. Short title.

§24-113. Definitions.

§24-114. Tests for determining insolvency.

§24-115. Value defined.

§24-116. Transfers fraudulent to creditors.

§24-117. Transfer fraudulent to creditor whose claim arose before transfer made or obligation incurred.

§24-118. Tests for determining when transfer is made or obligation incurred.

§24-119. Creditor's remedies.

§24-120. Voidable and nonvoidable transfers - Creditor's remedies and limitations thereon.

§24-121. Limitation of actions.

§24-122. Supplementary principles of law and equity.

§24-123. Application and construction of act.

§24-131. Short title.

§24-132. Definitions.

§24-133. Restrictions.

§24-134. Exemption from bond and trust account provisions - Responsibility for employees or agents.

§24-135. Information statement - Written statement required.

§24-136. Information statement - Contents.

§24-137. Contracts - Contents - Form for "Notice of Cancellation" - Copies.

§24-138. Waivers - Burden of proof - Violations and jurisdiction - Enforcement of rights.

§24-139. Action for damages - Remedies not exclusive.

§24-140. Rules and regulations.

§24-141. License required – Extensions of credit in compliance with law.

§24-142. Application for license - Resident agent.

§24-143. Fees - Administrator's investigation - Issuance or denial of license.

§24-144. Licenses - Contents - Display - Number - Term - Annual fee.

§24-145. Administrative hearing - Suspension, revocation or surrender of license.

§24-146. Investigation and examination of books and records.

§24-147. Disclosures to consumer - Applicability of disclosure requirements - Credit histories - Fees.

§24-148. Request of consumer report – Notice to subject of report.

§24-149. Short title.

§24-150. Definitions.

§24-151. Written request for security freeze - Processing time - Confirmation of freeze and identification number - Disclosures.

§24-152. Requests to temporarily lift freeze - Time for compliance - Request procedures.

§24-153. Mandatory removal or temporary lifting of freeze - Notice to consumer - Third party requests.

§24-154. Removal of freeze by consumer request - Identification required.

§24-155. Exceptions.

§24-156. Fees - Written notice of changes.

§24-157. Entities not required to place security freeze.

§24-158. Notice of rights.

§24-159. Failure to comply - Use of false pretenses - Penalties.

§24-161. Short title.

§24-162. Definitions.

§24-163. Duty to disclose breach.

§24-164. Notice procedures deemed in compliance.

§24-165. Enforcement – Civil penalty limitation.

§24-166. Application of act.

§24-170. Short title - Oklahoma Student Borrower's Bill of Rights Act.

§24-171. Definitions.

§24-172. Oklahoma Student Borrower's Bill of Rights.