Identity Theft (duties to identity theft victims)
IN Identity Theft Victim Protections
Financial
This chapter protects identity theft victims: businesses may not deny credit or utility service, or cut credit limits, solely because a documented victim was defrauded. It also restricts unsolicited credit offers, such as convenience checks, that carry personal identifying information.
- Where
- Indiana
- Citation
- Ind. Code ch. 24-5-26 (IC 24-5-26-1 to 24-5-26-3)
- Status
- In force
- Enforced by
- Indiana Attorney General
- People can sue
- No
- Penalties
- Knowing or intentional violations are deceptive acts actionable by the AG under IC 24-5-0.5 (IC 24-5-26-3). Lenders are liable for unauthorized use of unsolicited checks they send.
- Applies to
- Persons in trade or commerce, including creditors, utilities, and credit card issuers (IC 24-5-26-2)
Practices it requires
- Do not deny credit or utility service, or reduce a credit limit, solely because a consumer (with a police report plus FTC or accepted affidavit) was a victim of identity theft.IC 24-5-26-2(1)
- Do not solicit credit with unsolicited checks that carry personal identifying information beyond name, address, and a truncated number; the issuer is liable if such a check is misused.IC 24-5-26-2(2)
Sources
Checked against these sources on 2026-09-25 by research agent (Claude), primary sources.
Unverified: IC 24-5-26-2(3) and later items were not fully read. | P.L.137-2009 and the amendment dates (P.L.142-2020, P.L.174-2021) were not confirmed.
Research reference, not legal advice.