Okla. Stat. tit. 24, § 24-157
This is the official text of Okla. Stat. tit. 24, § 24-157, part of Oklahoma’s Stat. tit. 24, — part of the compiled statutory law of Oklahoma, published by the state as "Stat. tit. 24,." Browse the sections below, each linked to its official government source.
Not legal advice. This page reproduces the official text of a government statute for reference only. Laws change, and how a statute applies depends on your specific facts. For advice about your situation, consult a licensed attorney in your state.
Entities not required to place security freeze
Official statutory text
The following entities are not required to place a security
freeze on a consumer report:
1. A consumer reporting agency that acts only as a reseller of
credit information by assembling and merging information contained
in the database of another consumer reporting agency or multiple
consumer reporting agencies, and does not maintain a permanent
database of credit information from which new consumer reports are
produced. However, a consumer reporting agency acting as a reseller
shall honor any security freeze placed on a consumer report by
another consumer reporting agency;
2. A check services or fraud prevention services company, which
issues reports on incidents of fraud or authorizations for the
purpose of approving or processing negotiable instruments,
electronic funds transfers, or similar methods of payments; or
3. A deposit account information service company, which issues
reports regarding account closures due to fraud, substantial
overdrafts, automatic teller machine (ATM) 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.
freeze on a consumer report:
1. A consumer reporting agency that acts only as a reseller of
credit information by assembling and merging information contained
in the database of another consumer reporting agency or multiple
consumer reporting agencies, and does not maintain a permanent
database of credit information from which new consumer reports are
produced. However, a consumer reporting agency acting as a reseller
shall honor any security freeze placed on a consumer report by
another consumer reporting agency;
2. A check services or fraud prevention services company, which
issues reports on incidents of fraud or authorizations for the
purpose of approving or processing negotiable instruments,
electronic funds transfers, or similar methods of payments; or
3. A deposit account information service company, which issues
reports regarding account closures due to fraud, substantial
overdrafts, automatic teller machine (ATM) 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.
Status: in_force · Read it on the official government site
Need a lawyer in Oklahoma?
Find a Oklahoma lawyer
About this page: Statute text is reproduced from official government publishers via the
Open US Law dataset
(Vaquill AI, snapshot v2026.08, CC BY 4.0). Primary legislative text like this is public domain under the government-edicts doctrine
(Georgia v. Public.Resource.Org, 2020). We link every section back to its official source so you can verify it independently.