§ 22:2503 — Definitions

Louisiana § 22:2503

• Jurisdiction: Louisiana
• Title 22: Insurance

Text

§2503. Definitions
As used in this Chapter, the following definitions apply:
(1) "Authorized individual" means a natural person known to and screened by a
licensee and determined to be necessary and appropriate to have access to the nonpublic
information held by a licensee and its information systems.
(2) "Consumer" means a natural person who is a resident of this state and whose
nonpublic information is in a licensee's possession, custody, or control.
(3)(a) "Cybersecurity event" means an event resulting in unauthorized access to or
disruption or misuse of an information system or nonpublic information stored on an
information system.
(b) "Cybersecurity event" shall not include either of the following:
(i) The unauthorized acquisition of encrypted nonpublic information if the
encryption, process, or key is not also acquired, released, or used without authorization.
(ii) An event with regard to which the licensee has determined that the nonpublic
information accessed by an unauthorized person has not been used or released and has been
returned or destroyed.
(4) "Encrypted" means the transformation of data into a form that has a low
probability of assigning meaning without the use of a protective process or key.
(5) "Information security program" means the administrative, technical, and physical
safeguards that a licensee uses to access, collect, distribute, process, protect, store, use,
transmit, dispose of, or otherwise handle nonpublic information.
(6) "Information system" means a discrete set of electronic information resources
organized for the collection, processing, maintenance, use, sharing, dissemination, or
disposition of electronic nonpublic information. "Information system" shall include any
specialized system such as industrial or process controls systems, telephone switching and
private branch exchange systems, and environmental control systems.
(7)(a) "Licensee" means any person licensed, authorized to operate, or registered or
required to be licensed, authorized, or registered pursuant to the insurance laws of this state.
(b) "Licensee" shall not include either of the following:
(i) A purchasing group or a risk retention group chartered and licensed in a state
other than this state.
(ii) A person that is acting as an assuming insurer that is domiciled in another state
or jurisdiction.
(8) "Multi-factor authentication" means authentication through verification of at least
two of the following types of authentication factors:
(a) Knowledge factors, such as a password.
(b) Possession factors, such as a token or text message on a mobile phone.
(c) Inherence factors, such as a biometric characteristic.
(9) "Nonpublic information" means electronic information that is not publicly
available information and is any of the following:
(a) Any information concerning a consumer which because of name, number,
personal mark, or other identifier can be used to identify a consumer, in combination with
any one or more of the following data elements:
(i) Social Security number.
(ii) Driver's license number or nondriver identification card number.
(iii) Financial account number or credit or debit card number.
(iv) Any security code, access code, or password that would permit access to a
consumer's financial account.
(v) Biometric records.
(b) Any information or data, except age or gender, in any form or medium created
by or derived from a healthcare provider or a consumer, that can be used to identify a
particular consumer, and that relates to any of the following:
(i) The past, present, or future physical, mental, or behavioral health or condition of
any consumer.
(ii) The provision of health care to any consumer.
(iii) Payment for the provision of health care to any consumer.
(10) "Person" means any natural person or any nongovernmental juridical person.
(11) "Publicly available information" means any information that a licensee
reasonably believes is lawfully made available to the general public when all of the following
occur:
(a) The information is available to the general public from any of the following
sources:
(i) Federal, state, or local government records.
(ii) Widely distributed media.
(iii) Disclosures to the general public required to be made by federal, state, or local
law.
(b) A licensee has a reasonable basis to believe that information is lawfully made
available to the general public if the licensee has taken steps to determine all of the
following:
(i) That the information is of a type that is available to the general public.
(ii) That a consumer who can direct that the information not be made available to the
general public has not done so.
(12) "Risk assessment" means the risk assessment that each licensee is required to
conduct pursuant to R.S. 22:2504(C).
(13) "Third-party service provider" means a person, not otherwise defined as a
licensee, who contracts with a licensee to maintain, process, store, or otherwise have access
to nonpublic information through its provision of services to the licensee.

Legislative History

Acts 2020, No. 283, §1.