Okla. Stat. tit. 24, § 24-155: Exceptions

The provisions of this act do not apply to the use of a consumer

credit 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 owed

by the consumer to that person or entity, or a prospective assignee

of a financial obligation owed by the consumer to that person or

entity in conjunction with the proposed purchase of the financial

obligation, with which the consumer has or had prior to assignment

an account or contract including a demand deposit account, or to

whom the consumer issued a negotiable instrument, for the purposes

of reviewing the account or collecting the financial obligation owed

for the account, contract, or negotiable instrument. For purposes

of this paragraph, "reviewing the account" includes activities

related to account maintenance, monitoring, credit line increases,

and account upgrades and enhancements;

2. A subsidiary, affiliate, agent, assignee, or prospective

assignee of a person to whom access has been granted for purposes of

facilitating the extension of credit or other permissible use;

3. Any state or local agency, law enforcement agency, trial

court, or private collection agency acting pursuant to a court

order, warrant, or subpoena;

4. A child support agency acting pursuant to Title IV-D of the

Social Security Act;

5. The state or its agents or assigns acting to investigate

fraud or acting to investigate or collect delinquent taxes or unpaid

court orders or to fulfill any of its other statutory

responsibilities, provided such responsibilities are consistent with

a permissible purpose under Section 1681b of Title 15 of the United

States Code;

6. The use of credit information for the purposes of

prescreening as provided for by the federal Fair Credit Reporting

Act;

7. Any person or entity administering a credit file monitoring

subscription or similar service to which the consumer has

subscribed;

8. Any person or entity for the purpose of providing a consumer

with a copy of his or her consumer report or credit score upon the

request of the consumer; or

9. Any person using the information in connection with the

underwriting of insurance.