{"data":{"id":"us-in/ic-24-5-24.5-10","jurisdiction":"us-in","citation":"IC 24-5-24.5-10","heading":"Exceptions to application","body":"Sec. 10. This chapter does not apply to the use of a protected consumer's consumer report or record by:\n(1) a person administering a credit file monitoring subscription service to which:\n(A) the protected consumer has subscribed; or\n(B) the representative of the protected consumer has subscribed on behalf of the protected consumer;\n(2) a person providing the protected consumer or the protected consumer's representative with a copy of the protected consumer's consumer report on request of the protected consumer or the protected consumer's representative;\n(3) a check services or fraud prevention services company that issues:\n(A) reports on incidents of fraud; or\n(B) authorizations for the purpose of approving, or processing negotiable instruments, electronic funds transfers, or similar payment methods;\n(4) a deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, automated teller machine abuse, or similar negative information regarding a consumer to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution;\n(5) an insurance company for the purpose of conducting its ordinary business;\n(6) a consumer reporting agency that:\n(A) acts only to resell credit information by assembling and merging information contained in a data base of another consumer reporting agency or multiple consumer reporting agencies; and\n(B) does not maintain a permanent data base of credit information from which new credit reports are produced; or\n(7) a consumer reporting agency's database or file that consists of the following information concerning, and used for, one (1) or more of the following, but not for credit granting purposes:\n(A) Criminal record information.\n(B) Fraud protection or detection.\n(C) Personal loss history information.\n(D) Employment, tenant, or individual background screening.","path":["TITLE 24. TRADE REGULATION","ARTICLE 5. CONSUMER SALES","Chapter 24.5. Security Freezes for Protected Consumers"],"source_url":"https://iga.in.gov/ic/2026/Title_24.html#24-5-24.5-10","current_through":"2026","vintage":"2026","retrieved_at":"2026-09-04T18:50:41Z","sha256":"be0e28c31a588336e834fd7da60762668775509d60ef6c170d2a15d0b570c683","source_id":"us-in","stale":false,"prev":"us-in/ic-24-5-24.5-9","next":"us-in/ic-24-5-24.5-11"},"notice":"GroundRules: Original legal text. Not legal advice."}