Utah credit laws

Citation:

Utah Code 13-45-201 et seq.; 13-45-501 et seq.

Utah 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. Part 5 of the same chapter, Credit Report Protection for Minors, covers freezes for protected consumers.

Source checked Sep 29, 2026

Citation:

Utah Code 13-21-1 et seq.

Utah 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.

Source checked Sep 29, 2026