{"data":{"id":"us-ak/as-45.48.210","jurisdiction":"us-ak","citation":"AS 45.48.210","heading":"Exemptions.","body":"(a) The provisions of AS 45.48.100 — 45.48.290 do not apply to the use of a credit report by\n(1) a person, the person's subsidiary, affiliate, or agent, or the person's assignee with whom a consumer has or, before the assignment, had an account, contract, or debtor-creditor relationship if the purpose of the use is to review the consumer's account or to collect a financial obligation owing on the account, contract, or debt;\n(2) a subsidiary, an affiliate, an agent, an assignee, or a prospective assignee of a person to whom access has been granted under AS 45.48.130 if the purpose of the use is to facilitate the extension of credit or another permissible use;\n(3) a person acting under a court order, warrant, or subpoena;\n(4) an agency of a state or municipality that administers a program for establishing and enforcing child support obligations;\n(5) the Department of Health, its agents, or its assigns when investigating fraud;\n(6) the Department of Revenue, its agents, or its assigns when investigating or collecting delinquent taxes or unpaid court orders or when implementing its other statutory responsibilities;\n(7) a person if the purpose of the use is prescreening allowed under 15 U.S.C. 1681b(c) (Fair Credit Reporting Act);\n(8) a person administering a credit file monitoring subscription service to which the consumer has subscribed;\n(9) a person providing a consumer with a copy of the consumer's credit report or credit score at the consumer's request;\n(10) a person if the database or file of the consumer credit reporting agency consists entirely of information concerning and used solely for one or more of the following purposes:\n(A) criminal record information;\n(B) personal loss history information;\n(C) fraud prevention or detection;\n(D) tenant screening; or\n(E) employment screening; or\n(11) a person for use for insurance purposes in setting a rate, adjusting a rate, adjusting a claim, or underwriting, except that this paragraph may not be interpreted to authorize an insurance practice that is prohibited by other law; this paragraph may not be interpreted to affect AS 21.36.460 or AS 21.39.035.\n(b) Except as provided by AS 45.48.190, the provisions of AS 45.48.100 — 45.48.290 do not apply to a person when acting only as a reseller of consumer information.","path":["Title 45. Trade and Commerce.","Chapter 48. Personal Information Protection Act.","Article 2. Credit Report and Credit Score Security Freeze."],"source_url":"https://www.akleg.gov/basis/statutes.asp#45.48.210","current_through":"Alaska Statutes 2025 (34th Legislature, 2025-2026)","vintage":"","retrieved_at":"2026-09-02T06:19:44Z","sha256":"1a1a9544fdf1fc2f5dc97030ecddca6527918ddb22ce3ba3e5b2c0209dec6a44","source_id":"us-ak","stale":false,"prev":"us-ak/as-45.48.200","next":"us-ak/as-45.48.220"},"notice":"GroundRules: Original legal text. Not legal advice."}