§ 714G.3 — Temporary suspension

Iowa § 714G.3

• Jurisdiction: Iowa
• Title XVI: CRIMINAL LAW AND PROCEDURE
• Ch. 714G: CONSUMER CREDIT SECURITY

Text

1. A consumer may request that a security freeze be temporarily suspended to allow
the consumer reporting agency to release the consumer credit report for a specific time
period. The consumer reporting agency shall develop procedures to expedite the receipt
and processing of requests by first-class mail, telephone, secure internet connection, or
3 CONSUMER CREDIT SECURITY, §714G.6
other secure electronic contact method designated by the consumer reporting agency. The
consumer reporting agency shall comply with the request within three business days after
receiving the consumer’s written request, or within fifteen minutes after the consumer’s
request is received by the consumer reporting agency through secure internet connection
or other secure electronic contact method designated by the consumer reporting agency, or
the use of a telephone, during normal business hours. The consumer’s request shall include
all of the following:
a. Proper identification.
b. The personal identification number or password provided by the consumer reporting
agency.
c. Explicitinstructionsofthespecifictimeperioddesignatedforsuspensionofthesecurity
freeze.
2. A consumer reporting agency need not remove a security freeze within the time frames
provided in subsection 1 if the consumer fails to meet the requirements of subsection 1, or the
ability of the consumer reporting agency to remove the security freeze within fifteen minutes
is prevented by one of the following:
a. AnactofGod, includingafire, earthquake, hurricane, storm, orsimilarnaturaldisaster
or phenomenon.
b. Unauthorized or illegal acts by a third party, including terrorism, sabotage, riot,
vandalism, labor strikes or disputes disrupting operations, or similar occurrences.
c. Operational interruption, including electrical failure, unanticipated delay in equipment
or replacement part delivery, computer hardware or software failures inhibiting response
time, or similar disruption.
d. Governmental action, including emergency orders or regulations, judicial law
enforcement action, or similar directives.
e. Regularly scheduled maintenance, during other than normal business hours, of the
consumer reporting agency’s systems, or updates to the consumer reporting agency’s
systems.
f. Commerciallyreasonablemaintenanceof, orrepairto, theconsumerreportingagency’s
systems that is unexpected or unscheduled.
g. Receipt of a removal request outside of normal business hours.