§ 714G.8 — Exceptions

Iowa § 714G.8

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

Text

A security freeze or protected consumer security freeze shall not apply to the following
persons or entities:
1. A person or person’s subsidiary, affiliate, agent, or assignee with which the consumer
has or prior to assignment had an account, contract, or debtor-creditor relationship for the
purposesofreviewingtheaccountorcollectingthefinancialobligationowingfortheaccount,
contract, or debt, or extending credit to a consumer with a prior or existing account, contract,
or debtor-creditor relationship. “Reviewingtheaccount” includes activities related to account
maintenance, monitoring, credit line increases, and account upgrades and enhancements.
2. A subsidiary, affiliate, agent, assignee, or prospective assignee of a person to whom
access has been granted under a temporary suspension for purposes of facilitating the
extension of credit or another permissible use.
3. A person acting pursuant to a court order, warrant, or subpoena.
4. Child support enforcement officials when investigating a child support case pursuant
to Tit. IV-D or Tit. XIX of the federal Social Security Act.
5. The department of health and human services or its agents or assignees acting to
investigate fraud under the medical assistance program.
6. The department of revenue or local taxing authorities, or any of their agents or
assignees, acting to investigate or collect delinquent taxes or assessments, including interest
and penalties and unpaid court orders, or to fulfill any of their other statutory or other
responsibilities.
7. A person’s use of credit information for prescreening as provided by the federal Fair
Credit Reporting Act.
8. A person for the sole purpose of providing a credit file monitoring subscription service
to which the consumer has subscribed.
9. A consumer reporting agency for the sole purpose of providing a customer with a copy
of the consumer credit report upon the consumer’s request.
10. A person’s use of a consumer credit report in connection with the business of
insurance.