Title 24, TRADE REGULATION

Sec. 4. As used in this chapter, "dwelling" means a residential structure that is located in Indiana and that contains one (1) to four (4) units, regardless of whether the structure is permanently attached to real property. The term includes an individual: (1) condominium unit; (…

Sec. 5. As used in this chapter, "five star mortgage lender" means a creditor that: (1) offers at least one (1) mortgage product that qualifies as a five star mortgage under the program; and (2) has a current and accurate certification on file with the department, as described in…

Sec. 6. As used in this chapter, "Indiana customer", with respect to a mortgage offered by a creditor, means an individual who: (1) is an Indiana resident at the time the mortgage is offered by the creditor; or (2) would become an Indiana resident after purchasing and occupying t…

Sec. 7. (a) As used in this chapter, "mortgage" means a sale or loan, or the refinancing or consolidation of a sale or loan, in which a first mortgage deed of (or another equivalent consensual security interest) that constitutes a first lien, is created or retained against land t…

Sec. 8. As used in this chapter, "program" refers to the five star mortgage program established by section 9 of this chapter. As added by P.L.115-2010, SEC.20.

Sec. 9. (a) The five star mortgage program is established. Not later than June 1, 2010, the department shall adopt guidelines to implement the program. The program established by this section, as implemented through the department's guidelines, must meet the following criteria: (…

Sec. 1. As used in this chapter, "massage establishment" means a facility where massage therapy is provided. The term does not include the following: (1) The office of a licensed health care practitioner (as defined in IC 20-34-5-4), if the licensed health care practitioner emplo…

Sec. 2. The owner or operator of a massage establishment may display human trafficking awareness posters in at least two (2) public locations. As added by P.L.228-2025, SEC.2.

Sec. 3. The human trafficking awareness posters may include the following information: (1) A description of human trafficking. (2) Information about indicators of human trafficking, such as restricted freedom of movement and signs of physical abuse. (3) Contact information for: (…

Sec. 1. As used in this chapter, "automotive fuel" includes diesel fuel, gasohol, or gasoline. As added by P.L.228-2025, SEC.3.

Sec. 2. As used in this chapter, "gas station" means an establishment that is primarily engaged in the retail sale of automotive fuels. As added by P.L.228-2025, SEC.3.

Sec. 3. The owner or operator of a gas station with interior space open to the public shall provide: (1) human trafficking awareness information; and (2) the National Human Trafficking Hotline toll free telephone number or text line; in public restroom facilities or in a visible …

Sec. 4. The human trafficking awareness information may include the following information: (1) A description of human trafficking. (2) Information about indicators of human trafficking, such as restricted freedom of movement and signs of physical abuse. (3) The telephone numbers …

Sec. 1. As used in this chapter, "consumer" means an individual whose principal residence is in Indiana. As added by P.L.65-2014, SEC.9.

Sec. 10. 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 consume…

Sec. 11. (a) A consumer reporting agency shall place a security freeze on a protected consumer's consumer report if: (1) the consumer reporting agency receives a request from the protected consumer's representative for the placement of the security freeze under this section; and …

Sec. 12. Not later than thirty (30) days after receiving a request that meets the requirements of section 11(a) of this chapter, a consumer reporting agency shall place a security freeze for the protected consumer. As added by P.L.65-2014, SEC.9.

Sec. 13. Unless a security freeze for a protected consumer is removed in accordance with section 16 of this chapter, a consumer reporting agency may not release: (1) the protected consumer's consumer report; (2) any information derived from the protected consumer's consumer repor…

Sec. 14. A security freeze for a protected consumer must remain in effect until: (1) the protected consumer or the protected consumer's representative requests that the consumer reporting agency remove the security freeze under section 15 of this chapter; or (2) the security free…

Sec. 15. If a protected consumer or a protected consumer's representative wishes to remove a security freeze for the protected consumer, the protected consumer or the protected consumer's representative shall: (1) submit a request for the removal of the security freeze to the con…

Sec. 16. Not later than thirty (30) days after receiving a request that meets the requirements of section 15 of this chapter, the consumer reporting agency shall remove the security freeze for the protected consumer. As added by P.L.65-2014, SEC.9.

Sec. 17. (a) Except as provided in subsection (b), a consumer reporting agency may not impose a fee for any service described in this chapter. (b) A consumer reporting agency may charge a reasonable fee, not exceeding five dollars ($5), for each placement or removal of a security…

Sec. 18. A consumer reporting agency may remove a security freeze for a protected consumer or delete a record of a protected consumer if the security freeze was placed or the record was created based on a material misrepresentation of fact by the protected consumer or the protect…

Sec. 19. The provisions of this chapter are severable as provided in IC 1-1-1-8(b). As added by P.L.65-2014, SEC.9.

Sec. 2. As used in this chapter, "consumer report" has the meaning set forth in IC 24-5-24-2. As added by P.L.65-2014, SEC.9.

Sec. 3. As used in this chapter, "consumer reporting agency" has the meaning set forth in IC 24-5-24-3. As added by P.L.65-2014, SEC.9.

Sec. 4. As used in this chapter, "protected consumer" means an individual who is: (1) less than sixteen (16) years of age; or (2) an incapacitated person (as defined in IC 29-3-1-7.5) for whom a court has appointed a guardian. As added by P.L.65-2014, SEC.9.

Sec. 5. As used in this chapter, "record" means a compilation of information that: (1) identifies a protected consumer; (2) is created by a consumer reporting agency solely for the purpose of complying with this chapter; and (3) is not created or used to consider the protected co…

Sec. 6. As used in this chapter, "representative" means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer. As added by P.L.65-2014, SEC.9.

Sec. 7. As used in this chapter, "security freeze" means: (1) if a consumer reporting agency does not have a consumer report pertaining to a protected consumer, a restriction that: (A) is placed on the protected consumer's record in accordance with this chapter; and (B) prohibits…

Sec. 8. As used in this chapter, "sufficient proof of authority" means documentation that shows a representative has authority to act on behalf of a protected consumer and includes: (1) an order issued by a court of law; (2) a lawfully executed and valid power of attorney; or (3)…

Sec. 9. As used in this chapter, "sufficient proof of identification" means information or documentation that identifies a protected consumer or a representative of a protective consumer and includes: (1) a Social Security number or a copy of a Social Security card issued by the …

Sec. 1. As used in this chapter, "foreign entity" means: (1) a foreign government; (2) one (1) or more individuals who are not United States citizens or permanent residents; (3) an organization that: (A) is an instrumentality of; or (B) is controlled by; a foreign government; or …

Sec. 10. An Indiana media entity that publishes or broadcasts content: (1) sourced from; or (2) influenced by; a foreign entity must include the name of the foreign entity in the publication or broadcast. As added by P.L.132-2025, SEC.1.

Sec. 11. (a) The secretary of state shall conduct regular audits to ensure that an Indiana media entity complies with the requirements of this chapter. (b) The secretary of state shall publish a list of Indiana media entities that have complied with the requirements of this chapt…

Sec. 12. (a) This section applies to an Indiana media entity that: (1) is required to make a report under section 7 or 8 of this chapter; or (2) has been sanctioned by the secretary of state under section 11 of this chapter. (b) A person to which this section applies must obtain …

Sec. 2. As used in this chapter, "foreign government" means the government, or an agent or a political subdivision of the government, of a country, nation, or group of nations other than: (1) the United States; or (2) a state, territory, or protectorate of the United States. As a…

Sec. 3. As used in this chapter, "foreign ownership" means an ownership interest (including voting rights) in an Indiana media entity that is held or controlled by a foreign entity. However, the term does not include an ownership interest derived solely from holding publicly trad…

Sec. 4. As used in this chapter, "funding" means: (1) income; or (2) a monetary or in-kind contribution or donation. As added by P.L.132-2025, SEC.1.

Sec. 5. As used in this chapter, "Indiana media entity" means a media entity that: (1) has a physical presence in Indiana; or (2) receives income from one (1) or more subscribers located in Indiana. As added by P.L.132-2025, SEC.1.

Sec. 6. As used in this chapter, "media entity" means one (1) or more of the following: (1) A newspaper of general circulation in Indiana. (2) A broadcaster serving Indiana. (3) A website that provides news, commentary, or discussion concerning political matters to Indiana reside…

Sec. 7. (a) Before December 31, 2025, and before December 31 of each year thereafter, an Indiana media entity with foreign ownership that is equal to or greater than five percent (5%) of the: (1) fair market value; (2) market capitalization; or (3) total voting rights; of the Ind…

Sec. 8. (a) Before December 31, 2025, and before December 31 of each year thereafter, an Indiana media entity that has received at least ten thousand dollars ($10,000) in funding, in aggregate, from one (1) or more foreign entities must file a report with the secretary of state d…

Sec. 9. An Indiana media entity required to make a report under sections 7 and 8 of this chapter may file one (1) report that includes all of the information required under sections 7 and 8 of this chapter. As added by P.L.132-2025, SEC.1.

Sec. 1. As used in this chapter, "commercial communication" means any written or oral statement, illustration, or depiction, whether in English or another language, that is designed to create interest in procuring legal services, whether it appears on or in a label, package, pack…

Sec. 10. It is a deceptive act for a person engaged in lead generation to fail to make the following written and oral disclosures to a consumer who responds to an advertisement or other commercial communication subject to this chapter: (1) Disclosures: (A) that a case will be ref…