Identity Theft Protection Act Michigan

Identity theft protection act Michigan is an act that prevents certain practices and acts that are related to identity theft. An act requires notification for a security breach of any database that has personal information.

The 445.63 section 3 of this act has definitions of certain terms. Thos terms include “Agency” that is referred to as board, department, office or any authority of the state. The second term is “Security Breach” that means unauthorized access to personal data being managed by any agency or person.  Spousal support means the support for a spouse under the order of the court. The Term Data means any personal information that is personalized. There are many other definitions as well under this section.

The 445.65 section of this act contains a list of the prohibited acts and violations that a person should not do. A person shall not violate or defraud the law and should not use any personal information of other people to obtain loan, property, services or employment. A person shall not also make use of someone else’s personal information to do any other unlawful act. A person shall not conceal or misrepresent any ones personal identity and use it to either get a loan, property, employment and many other things.

Similarly, identity theft protection act of 2005 is a whole series of certain laws that are passed and approved by the General Assembly of North Carolina to stop identity theft and guard and protect individual privacy.

The Attorney General of North Carolina named General Roy Cooper proposed this act.  The Dan Clodfelter who was a Senator originally introduced the act. The main aim of the act was to improve the protection of personal information. The act required the government and businesses to protect their crucial financial information. The act gave people more powers to fight their identity theft.  The act imposed more restriction on the use and collection of the social security number of people and their financial information.  The act asks the charities, people and business to notify if a security breach of any personal information takes place. The north Carolina people are given a permission to get a security freeze on the reports of their credit. The Security freeze on the credit reports stops the credit agencies to release any sort of information related to you to any other new creditor. This makes it difficult for any identity thief  to get credit or get an account by your name. The act also gives right to do case if there are any civil damages when identity fraud or theft has occur. This act of 2005 covers almost everything from penalties to rights. The act is applicable to all the entities like businesses, governments, financial institutions, etc. companies that are situated outside North Carolina and are conducting business inside the state or have personal information of the people of the state shall also comply with the act.

As identity theft is a common crime now, such acts prevent these crimes largely. These acts are certainly needed to help fight back identity theft. As an individual what you can do from your side to protect your personal information is to stay more careful. Be careful enough when you are online and filling forms and applications. Make sure the site you are entering the data is a secured site. Also, make sure that the internet connection you are using is also secured. Avoid using public internet cafes or WIFI when doing online transactions. Keep safe from your side and protect your information as much as you can.

 

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