Truth-in-lending manual: Text, forms, and procedures for

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The inclusion of a government agency will help monitor the general marketplace and effectively provide the consumer with various remedies to correct predatory sales practices. This is not a service that one should have to pay for. In appropriate cases, a lawsuit to stop the illegal business practice may be initiated. The division represents the state and the public as a whole, as opposed to individuals, when it brings actions under the Consumer Protection Act. The law provides several protections for personal information, including: (1) a notice requirement when a breach of security concerning personal information has occurred; (2) the ability to place a security freeze on a consumer credit report; (3) various restrictions on the use of personal information and credit information; (4) the disposal of records containing personal information; (5) allowing a victim of identity theft to petition the court for a determination of factual innocence; and (6) truncation of credit card information.� These protections are contained in various sections of the statute as follows: This article contains provisions that require notification to consumers when there is a breach of security of an information system containing personal information.� "Personal information" is defined to include information on an individual, that is not encrypted, that consists of the individual's name and one or more of several other pieces of information, including a social security number, driver's license number, account number, password, or other access codes.

Pages: 0

Publisher: Warren, Gorham & Lamont; 5th edition (1982)

ISBN: 0882627929


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