Iowa credit laws

2 entries

Federal law applies everywhere too. State laws add to it. See federal laws

Security freezes and fraud alerts

Security freeze

In effect

Citation:: Iowa Code ch. 714G

Iowa law lets you place a security freeze on your credit file, which stops a credit bureau from releasing your report to most new creditors until you lift it. Since September 21, 2018, federal law also makes placing and lifting a freeze free at each nationwide credit bureau.

What you can do

Place a free freeze online or by phone at Equifax, Experian and TransUnion, and keep any PIN or login you create.

Official sources

Iowa Legislature: Iowa Code ch. 714G (PDF)

Source checked Sep 29, 2026

Credit repair company rules

Credit Services Organizations

In effect

Citation:: Iowa Code ch. 538A

Iowa regulates businesses that charge to improve a consumer's credit record, history or rating. The federal Credit Repair Organizations Act also applies: these companies may not charge before the promised services are fully performed, and you can cancel a contract within 3 business days.

What you can do

Dispute errors yourself for free with the credit bureau and the company that reported the item.

Official sources

Iowa Legislature: Iowa Code ch. 538A (PDF)

Source checked Sep 29, 2026

This is general education, not legal advice. Laws change; check the official source linked on each entry.

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