Learn About The Law
Get help with your legal needs
FindLaw’s Learn About the Law features thousands of informational articles to help you understand your options. And if you’re ready to hire an attorney, find one in your area who can help.
Current as of March 28, 2024 | Updated by Findlaw Staff
(a) A consumer may request that a security freeze be placed on his or her consumer report by:
(1) Sending his or her request in writing by mail to a consumer reporting agency;
(2) Telephoning his or her request to a consumer reporting agency and providing over the telephone proper identification or certain personal identification information required by the consumer reporting agency; or
(3) Electronically forwarding his or her request to a consumer reporting agency through a secure electronic connection or a secure electronic mail connection if the connection is made available by the consumer reporting agency.
(b) A consumer reporting agency shall place a security freeze on a credit report of a consumer no later than three (3) business days after receiving from the consumer:
(1) A request as provided in subsection (a) of this section;
(2) Proper identification; and
(3) Payment of the required fee, if applicable.
(c) Within five (5) business days of the receipt of the information and any applicable fees under subsection (b) of this section, the consumer reporting agency shall:
(1) Send a written confirmation of the placement of the security freeze to the consumer; and
(2) 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 credit report for a specific period of time.
(d) At the time a consumer requests a security freeze, the consumer reporting agency shall disclose the process:
(1) Of placing a security freeze and temporarily lifting a security freeze; and
(2) For allowing access to information from the credit report of the consumer for a period of time while the security freeze is in place.
Cite this article: FindLaw.com - Arkansas Code Title 4. Business and Commercial Law § 4-112-103. Placement of security freeze - last updated March 28, 2024 | https://codes.findlaw.com/ar/title-4-business-and-commercial-law/ar-code-sect-4-112-103/
FindLaw Codes may not reflect the most recent version of the law in your jurisdiction. Please verify the status of the code you are researching with the state legislature before relying on it for your legal needs.
A free source of state and federal court opinions, state laws, and the United States Code. For more information about the legal concepts addressed by these cases and statutes, visit FindLaw’s Learn About the Law.
Get help with your legal needs
FindLaw’s Learn About the Law features thousands of informational articles to help you understand your options. And if you’re ready to hire an attorney, find one in your area who can help.
Search our directory by legal issue
Enter information in one or both fields (Required)