Title 51 — Sales and Exchanges
45 chapters · 316 sections in this title.
N.D.C.C. § 51-33-01 Definitions
1.8K chars
In this chapter, unless the context or subject matter otherwise requires: 1. "Consumer report" has the same meaning as provided in 15 U.S.C. 1681(a)(d). 2. "Consumer reporting agency" means any person that for monetary fees or dues, or on a cooperative nonprofit basis, regularly …
N.D.C.C. § 51-33-02 Right to obtain security freeze
0.5K chars
A consumer may elect to place a security freeze on the consumer's consumer credit file by making a request to a consumer reporting agency. The consumer may make the request: 1. By mail; 2. By telephone by providing proper identification or certain personal identification required…
N.D.C.C. § 51-33-03 Response of consumer reporting agency
2.2K chars
1. A consumer reporting agency shall place a security freeze on a consumer's consumer credit file no later than three business days after receiving from the consumer a request under section 51-33-02 which includes proper identification. If a victim of identity theft requests a se…
N.D.C.C. § 51-33-04 Temporary lifting or permanent removal of the freeze
4.0K chars
1. If the consumer wishes to allow the consumer's consumer credit file to be accessed for a specific party or period of time while a freeze is in place, the consumer shall contact the consumer reporting agency, request that the freeze be temporarily lifted, and provide the follow…
N.D.C.C. § 51-33-05 Response by third party to denial of access
0.4K chars
When a third party requests access to a consumer report on which a security freeze is in effect, and this request is in connection with an application for credit or the opening of an account and the consumer does not allow the consumer's consumer report to be accessed for that sp…
N.D.C.C. § 51-33-06 Nonapplicability
2.3K chars
Sections 51-33-01 through 51-33-05 do not apply to the use of a consumer report by any of the following: 1. A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owing by the consumer to that person or entity, …
N.D.C.C. § 51-33-07 Information to government agencies not affected
0.2K chars
Sections 51-33-01 through 51-33-06 do not prohibit a consumer reporting agency from furnishing to a governmental agency a consumer's name, address, former address, places of employment, or former places of employment.
N.D.C.C. § 51-33-08 Fees
1.0K chars
1. A consumer reporting agency may charge a fee not to exceed five dollars for placing or temporarily lifting a security freeze unless: a. The consumer is a victim of identity theft; and b. The consumer provides, or has already provided in connection with the security freeze, the…
N.D.C.C. § 51-33-09 Changes to information - Written confirmation required
0.7K chars
If a security freeze is in place, a consumer reporting agency may not change any of the following official information in a consumer report without sending a written confirmation of the change to the consumer within thirty days of the change being posted to the consumer's file: n…
N.D.C.C. § 51-33-10 Security freeze not applicable to certain consumer reporting agencies
0.6K chars
A consumer reporting agency is not required to place a security freeze in a consumer credit file under this chapter if it acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple…
N.D.C.C. § 51-33-11 Exempt entities
0.7K chars
The following entities are not required to place a security freeze on a consumer credit file under this chapter: 1. A check services or fraud prevention services company that issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotia…
N.D.C.C. § 51-33-12 Notice of rights
3.1K chars
At any time that a consumer is required to receive a summary of rights required under 15 U.S.C. 1681g or under North Dakota law, the following notice shall be included: North Dakota Consumers Have the Right to Obtain a Security Freeze You may obtain a security freeze on your cons…
N.D.C.C. § 51-33-13 Private enforcement
1.7K chars
1. If a consumer reporting agency erroneously releases a consumer's credit file or any information derived from the file, the consumer reporting agency shall send written notification to the affected consumer within five business days following discovery or notification of the er…