Indiana § 24-5-24.5-10 Exceptions to application

Indiana Statutes

§ 24-5-24.5-10 — Exceptions to application

Indiana § 24-5-24.5-10

Art. 5CONSUMER SALES

Ch. 24.5Security Freezes for Protected Consumers

This text of Indiana § 24-5-24.5-10 (Exceptions to application) is published on Counsel Stack Legal Research, covering Indiana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Ind. Code § 24-5-24.5-10 (2026).

Text

This chapter does not apply to the use of a protected consumer's consumer report or record by:

(1)a person administering a credit file monitoring subscription service to which:

(A)the protected consumer has subscribed; or

(B)the representative of the protected consumer has subscribed on behalf of the protected consumer;

(2)a person providing the protected consumer or the protected consumer's representative with a copy of the protected consumer's consumer report on request of the protected consumer or the protected consumer's representative;

(3)a check services or fraud prevention services company that issues:

(A)reports on incidents of fraud; or

(B)authorizations for the purpose of approving, or processing negotiable instruments, electronic funds transfers, or similar payment method

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This chapter does not apply to the use of
a protected consumer's consumer report or record by:
(1) a person administering a credit file monitoring subscription
service to which:
(A) the protected consumer has subscribed; or
(B) the representative of the protected consumer has subscribed
on behalf of the protected consumer;
(2) a person providing the protected consumer or the protected
consumer's representative with a copy of the protected consumer's
consumer report on request of the protected consumer or the
protected consumer's representative;
(3) a check services or fraud prevention services company that
issues:
(A) reports on incidents of fraud; or
(B) authorizations for the purpose of approving, or processing
negotiable instruments, electronic funds transfers, or similar
payment methods;
(4) a deposit account information service company that issues
reports regarding account closures due to fraud, substantial
overdrafts, automated teller machine abuse, or similar negative
information regarding a consumer to inquiring banks or other
financial institutions for use only in reviewing a consumer request
for a deposit account at the inquiring bank or financial institution;
(5) an insurance company for the purpose of conducting its
ordinary business;
(6) a consumer reporting agency that:
(A) acts only to resell credit information by assembling and
merging information contained in a data base of another
consumer reporting agency or multiple consumer reporting
agencies; and
(B) does not maintain a permanent data base of credit
information from which new credit reports are produced; or
(7) a consumer reporting agency's database or file that consists of
the following information concerning, and used for, one (1) or
more of the following, but not for credit granting purposes:
(A) Criminal record information.
(B) Fraud protection or detection.
(C) Personal loss history information.
(D) Employment, tenant, or individual background screening.