{"data":{"id":"us-dc/d.c.-code-28-3861","jurisdiction":"us-dc","citation":"D.C. Code § 28-3861","heading":"Definitions.","body":"For the purposes of this subchapter, the term:\n\n(1)\n“Consumer” means an individual who resides in the District of Columbia.\n\n(2)\n\"Credit report\" means any written, oral, or other communication of any information by a credit reporting agency bearing on a consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for:\n(A)\nCredit or insurance to be used primarily for personal, family, or household purposes;\n(B)\nEmployment purposes; or\n(C)\nAny other purpose authorized under the Fair Credit Reporting Act, approved October 26, 1970 (84 Stat. 1127; 15 U.S.C. § 1681 et seq.).\n\n(3)\n“Credit reporting agency” means any person who, for consideration, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of maintaining consumers’ credit information for the purpose of furnishing the information to third parties.\n\n(4)\n“Proper identification” means information generally considered sufficient to identify a person. Additional information concerning the consumer’s employment and personal or family history shall not be included within the term “proper identification” unless the consumer is unable to reasonably identify himself or herself with other information generally considered sufficient.\n\n(5)\n“Security freeze” or “freeze” means a restriction, at the request of the consumer and subject to certain exceptions, that prohibits the credit reporting agency from releasing all or any part of a credit report or any information derived from it without the express authorization of the consumer.","path":["Title 28. Commercial Instruments and Transactions. [Enacted title]","Chapter 38. Consumer Protections.","Subchapter III. Consumer Security Freeze."],"source_url":"https://code.dccouncil.gov/us/dc/council/code/sections/28-3861","current_through":"2026-08-20 (D.C. Law 26-175)","vintage":"","retrieved_at":"2026-08-29T05:44:07Z","sha256":"86b59f9b893542ae67fa5ae570361faf5f77a9e78514bbc167faa3c22c3194a1","source_id":"us-dc","stale":false,"prev":"us-dc/d.c.-code-28-3853","next":"us-dc/d.c.-code-28-3862"},"notice":"GroundRules: Original legal text. Not legal advice."}