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Ch. 307
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2007 Laws of Maryland
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(F) (3) ON OR BEFORE OCTOBER 1, 2009, A A CONSUMER
REPORTING AGENCY SHALL MAY DEVELOP PROCEDURES INVOLVING THE USE
OF TELEPHONE OR FACSIMILE, OR, ON CONSENT OF THE CONSUMER IN THE
MANNER REQUIRED BY THE FEDERAL ELECTRONIC SIGNATURES IN GLOBAL
AND NATIONAL COMMERCE ACT FOR LEGALLY REQUIRED NOTICES, THE
INTERNET, ELECTRONIC MAIL, OR OTHER ELECTRONIC MEDIA, THE MEANS OF
COMMUNICATION AUTHORIZED UNDER THIS SECTION TO RECEIVE AND
FACSIMILE OR OTHER ELECTRONIC MEDIA TO RECEIVE AND PROCESS, IN AN
EXPEDITED MANNER, A REQUEST FROM A CONSUMER TO PLACE, TEMPORARILY
LIFT, TEMPORARILY LIFT OR REMOVE A SECURITY FREEZE ON THE CONSUMER'S
CONSUMER REPORT.
(G) (F) IF, IN CONNECTION WITH AN APPLICATION FOR CREDIT OR FOR
ANY OTHER USE, A PERSON REQUESTS ACCESS TO A CONSUMER'S CONSUMER
REPORT WHILE A SECURITY FREEZE IS IN PLACE AND THE CONSUMER DOES NOT
AUTHORIZE ACCESS TO THE CONSUMER'S CONSUMER REPORT, THE PERSON
MAY TREAT THE APPLICATION AS INCOMPLETE.
(H) (G) (1) EXCEPT AS PROVIDED IN PARAGRAPH (2) OF THIS
SUBSECTION, A CONSUMER REPORTING AGENCY MAY REMOVE OR
TEMPORARILY LIFT A SECURITY FREEZE PLACED ON A CONSUMER'S CONSUMER
REPORT ONLY ON REQUEST OF THE CONSUMER MADE UNDER SUBSECTION (E)
OR (I) (H) OF THIS SECTION.
(2) (I) A CONSUMER REPORTING AGENCY MAY REMOVE A
SECURITY FREEZE PLACED ON A CONSUMER'S CONSUMER REPORT IF:
1. PLACEMENT PLACEMENT OF THE SECURITY FREEZE
WAS BASED ON A MATERIAL MISREPRESENTATION OF FACT BY THE CONSUMER;
OR
2. THE CONSUMER:
A. MADE THE REQUEST TO PLACE THE SECURITY
FREEZE BY TELEPHONE UNDER SUBSECTION (C)(1)(II) OF THIS SECTION; AND
B. FAILED TO CONFIRM THE REQUEST IN WRITING IF
REQUIRED IN ACCORDANCE WITH SUBSECTION (C)(6) OF THIS SECTION.
(II) IF A CONSUMER REPORTING AGENCY INTENDS TO
REMOVE A SECURITY FREEZE UNDER SUBPARAGRAPH (I) OF THIS PARAGRAPH,
THE CONSUMER REPORTING AGENCY SHALL NOTIFY THE CONSUMER IN
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- 1972 -
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