Arkansas Code Title 4. Business and Commercial Law § 4-112-102. Definitions

(1) “Consumer” means an individual;

(2) “Consumer report” means the same as defined in 15 U.S.C. § 1681a(d) as it existed on January 1, 2009;

(3) “Consumer reporting agency” means the same as defined in 15 U.S.C. § 1681a(f) as it existed on January 1, 2009;

(4) “Credit report” means a consumer report that a consumer reporting agency furnishes to a person that it has reason to believe intends to use the consumer report as a factor in establishing the consumer's eligibility for credit to be used primarily for personal, family, or household purposes;

(5) “Proper identification” means the same as defined in 15 U.S.C. § 1681h(a)(1) as it existed on January 1, 2009;

(6) “Security freeze” means a notice placed in a credit report of a consumer at the request of the consumer that prohibits a consumer reporting agency from releasing the credit report or credit score of the consumer in response to a request to open a new account or to extend credit; and