Fair Credit Reporting Act (FCRA): Federal law that regulates the collection, dissemination, and use of consumer information, including utility payment history

Privacy Act of 1974: Federal law governing the collection, maintenance, use, and dissemination of personal information maintained by federal agencies

Identity Theft and Assumption Deterrence Act: Federal law that makes identity theft a federal crime and provides protection for consumer information

Gramm-Leach-Bliley Act: Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data

State Privacy Laws: Various state-specific regulations governing privacy protection and personal information handling

State Utility Regulations: State-specific rules governing utility companies' operations and consumer relationships

State Consumer Protection Laws: State-specific legislation designed to protect consumers from unfair practices and fraud

State Identity Theft Protection Laws: State-specific regulations for preventing and addressing identity theft

Public Utility Commission Regulations: Rules set by state utility commissions governing utility operations and consumer services

Local Utility Company Policies: Specific policies and procedures established by individual utility companies

State Energy Commission Rules: Regulations governing energy services and utility operations at the state level

Data Protection Requirements: Standards for handling, storing, and protecting consumer personal information

Consumer Rights Framework: Set of rights including privacy, consent authorization/revocation, and information access

Documentation Requirements: Standards for record retention, verification, and signature requirements in utility service agreements