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Ch. 307 2007 Laws of Maryland
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(M)(L) THE EXCLUSIVE REMEDY FOR A VIOLATION OF §
14-1212.1(E)(2)(I)2 OF THIS SUBTITLE SUBSECTION (E)(2)(II) OF THIS SECTION
SHALL BE A COMPLAINT FILED WITH THE COMMISSIONER UNDER § 14-1217 OF
THIS SUBTITLE.
SECTION 2. AND BE IT FURTHER ENACTED, That this Act shall take effect
October 1, 2007 January 1, 2008.
Approved by the Governor, May 8, 2007.
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CHAPTER 308
(House Bill 117)
AN ACT concerning
Consumer Protection - Consumer Reporting Agencies - Consumer Reports -
Security Freezes
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FOR the purpose of authorizing a consumer to elect to place a security freeze on the
consumer's consumer report; establishing procedures for requesting a security
freeze; requiring a consumer reporting agency to place a security freeze on a
consumer's consumer report within certain time periods after certain requests
are received in certain manners and to take certain actions within a certain
number of business days after placing a security freeze on a consumer's
consumer report; establishing an exception for a certain consumer reporting
agency to the requirement to place a security freeze on a consumer report;
providing that while a security freeze is in place, a consumer reporting agency
may not provide release a consumer's consumer report or any information is
derived from a consumer's consumer report without certain authorization of the
consumer; requiring a consumer reporting agency to give certain notice to a
consumer if any person requests access to a consumer's consumer report under
certain circumstances; establishing procedures for requesting a security freeze
to be lifted temporarily or removed; requiring a consumer reporting agency to
temporarily lift or remove a security freeze within a certain number of business
days time periods after receiving a request from a consumer; requiring a
consumer reporting agency to temporarily lift a security freeze within a certain
number of minutes after receiving a request from a consumer after a certain
date and under certain circumstances, with certain exceptions: authorizing a
consumer reporting agency to develop certain procedures on or before a certain
date; prohibiting a consumer reporting agency from charging a consumer for
any service relating to a security freeze, subject to certain exceptions
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