Kansas credit laws

2 entries

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

Security freezes and fraud alerts

Security freeze on consumer report

In effect

Citation:: Kan. Stat. Ann. 50-723 to 50-725

Kansas 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. Section 50-725 covers freezes for protected consumers.

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

Justia US Law (code text): K.S.A. ch. 50, art. 7

Source checked Sep 29, 2026

Credit repair company rules

Kansas Credit Services Organization Act

In effect

Citation:: Kan. Stat. Ann. 50-1116 to 50-1135

Kansas requires credit services organizations to be licensed, with oversight by the state bank commissioner. 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

Justia US Law (code text): K.S.A. ch. 50, art. 11

Source checked Sep 29, 2026

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

All states