KRS 367.363: Definitions for KRS 367.363 to 367.365.

As used in KRS 367.363 to 367.365, unless the context requires otherwise:

(1) "Clear and proper identification" means information generally deemed sufficient to

identify a person. If the consumer is unable to reasonably identify himself or herself

with suc h information, a consumer reporting agency may require additional

information to verify his or her identity;

(2) "Consumer report" means a consumer report, as defined in the federal Fair Credit

Reporting Act, 15 U.S.C. sec. 1681a(d);

(3) "Consumer reporting agency" means a consumer reporting agency as defined by the

federal Fair Credit Reporting Act, 15 U.S.C. sec. 1681a(f). "Consumer reporting

agency" shall not mean a check acceptance service which provides check approval

and guarantees services to merchants; and

(4) "Security freeze" means a notice placed on a consumer file, at the request of the

consumer and subject to certain exceptions, that prohibits a consumer reporting

agency from releasing the consumer's consumer report or credit score relating to the

extension of credit without the express authorization of the consumer.