{"data":{"id":"us-ky/krs-367.363","jurisdiction":"us-ky","citation":"KRS 367.363","heading":"Definitions for KRS 367.363 to 367.365.","body":"As used in KRS 367.363 to 367.365, unless the context requires otherwise:\n(1) \"Clear and proper identification\" means information generally deemed sufficient to\nidentify a person. If the consumer is unable to reasonably identify himself or herself\nwith suc h information, a consumer reporting agency may require additional\ninformation to verify his or her identity;\n(2) \"Consumer report\" means a consumer report, as defined in the federal Fair Credit\nReporting Act, 15 U.S.C. sec. 1681a(d);\n(3) \"Consumer reporting agency\" means a consumer reporting agency as defined by the\nfederal Fair Credit Reporting Act, 15 U.S.C. sec. 1681a(f). \"Consumer reporting\nagency\" shall not mean a check acceptance service which provides check approval\nand guarantees services to merchants; and\n(4) \"Security freeze\" means a notice placed on a consumer file, at the request of the\nconsumer and subject to certain exceptions, that prohibits a consumer reporting\nagency from releasing the consumer's consumer report or credit score relating to the\nextension of credit without the express authorization of the consumer.","path":["KRS Chapter 367"],"source_url":"https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=34935","current_through":"Includes enactments through the 2026 Regular Session","vintage":"09/05/2026","retrieved_at":"2026-09-05T20:59:03Z","sha256":"c390aebc2aeebba1435dc1e1d02713a7d5b6eed1c99bd971e0f5e0ae43647e17","source_id":"us-ky","stale":false,"prev":"us-ky/krs-367.3629","next":"us-ky/krs-367.364"},"notice":"GroundRules: Original legal text. Not legal advice."}