{"data":{"id":"us-ok/okla.-stat.-tit.-24-24-155","jurisdiction":"us-ok","citation":"Okla. Stat. tit. 24, § 24-155","heading":"Exceptions","body":"The provisions of this act do not apply to the use of a consumer\n\ncredit report by any of the following:\n\n1. A person or entity, or a subsidiary, affiliate, or agent of\n\nthat person or entity, or an assignee of a financial obligation owed\n\nby the consumer to that person or entity, or a prospective assignee\n\nof a financial obligation owed by the consumer to that person or\n\nentity in conjunction with the proposed purchase of the financial\n\nobligation, with which the consumer has or had prior to assignment\n\nan account or contract including a demand deposit account, or to\n\nwhom the consumer issued a negotiable instrument, for the purposes\n\nof reviewing the account or collecting the financial obligation owed\n\nfor the account, contract, or negotiable instrument. For purposes\n\nof this paragraph, \"reviewing the account\" includes activities\n\nrelated to account maintenance, monitoring, credit line increases,\n\nand account upgrades and enhancements;\n\n2. A subsidiary, affiliate, agent, assignee, or prospective\n\nassignee of a person to whom access has been granted for purposes of\n\nfacilitating the extension of credit or other permissible use;\n\n3. Any state or local agency, law enforcement agency, trial\n\ncourt, or private collection agency acting pursuant to a court\n\norder, warrant, or subpoena;\n\n4. A child support agency acting pursuant to Title IV-D of the\n\nSocial Security Act;\n\n5. The state or its agents or assigns acting to investigate\n\nfraud or acting to investigate or collect delinquent taxes or unpaid\n\ncourt orders or to fulfill any of its other statutory\n\nresponsibilities, provided such responsibilities are consistent with\n\na permissible purpose under Section 1681b of Title 15 of the United\n\nStates Code;\n\n6. The use of credit information for the purposes of\n\nprescreening as provided for by the federal Fair Credit Reporting\n\nAct;\n\n7. Any person or entity administering a credit file monitoring\n\nsubscription or similar service to which the consumer has\n\nsubscribed;\n\n8. Any person or entity for the purpose of providing a consumer\n\nwith a copy of his or her consumer report or credit score upon the\n\nrequest of the consumer; or\n\n9. Any person using the information in connection with the\n\nunderwriting of insurance.","path":["OK Code","Title 24"],"source_url":"https://www.oklegislature.gov/OK_Statutes/CompleteTitles/os24.pdf","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:36Z","sha256":"69207857b1bbd57e329e76cdd4b44e13c7ddaff9c3739eeaecdb1f192fd9325b","source_id":"us-ok","stale":false,"prev":"us-ok/okla.-stat.-tit.-24-24-154","next":"us-ok/okla.-stat.-tit.-24-24-156"},"notice":"GroundRules: Original legal text. Not legal advice."}