| 1 | 1 | | II |
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| 2 | 2 | | 119THCONGRESS |
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| 3 | 3 | | 1 |
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| 4 | 4 | | STSESSION S. 619 |
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| 5 | 5 | | To amend the Fair Credit Reporting Act to address the placement of security |
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| 6 | 6 | | freezes for protected consumers, and for other purposes. |
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| 7 | 7 | | IN THE SENATE OF THE UNITED STATES |
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| 8 | 8 | | FEBRUARY18, 2025 |
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| 9 | 9 | | Ms. H |
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| 10 | 10 | | ASSAN(for herself and Mr. CORNYN) introduced the following bill; which |
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| 11 | 11 | | was read twice and referred to the Committee on Banking, Housing, and |
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| 12 | 12 | | Urban Affairs |
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| 13 | 13 | | A BILL |
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| 14 | 14 | | To amend the Fair Credit Reporting Act to address the |
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| 15 | 15 | | placement of security freezes for protected consumers, |
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| 16 | 16 | | and for other purposes. |
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| 17 | 17 | | Be it enacted by the Senate and House of Representa-1 |
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| 18 | 18 | | tives of the United States of America in Congress assembled, 2 |
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| 19 | 19 | | SECTION 1. SHORT TITLE. 3 |
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| 20 | 20 | | This Act may be cited as the ‘‘Credit Freeze for Kids 4 |
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| 21 | 21 | | Act’’. 5 |
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| 22 | 22 | | SEC. 2. SECURITY FREEZES FOR PROTECTED CONSUMERS. 6 |
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| 23 | 23 | | (a) I |
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| 24 | 24 | | NGENERAL.—Section 605A(j)(2)(A) of the Fair 7 |
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| 25 | 25 | | Credit Reporting Act (15 U.S.C. 1681c–1(j)(2)(A)) is 8 |
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| 26 | 26 | | amended to read as follows: 9 |
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| 27 | 27 | | VerDate Sep 11 2014 02:08 Mar 08, 2025 Jkt 059200 PO 00000 Frm 00001 Fmt 6652 Sfmt 6201 E:\BILLS\S619.IS S619 |
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| 28 | 28 | | kjohnson on DSK7ZCZBW3PROD with $$_JOB 2 |
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| 29 | 29 | | •S 619 IS |
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| 30 | 30 | | ‘‘(A) IN GENERAL.—Upon receiving a di-1 |
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| 31 | 31 | | rect request from a protected consumer’s rep-2 |
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| 32 | 32 | | resentative that a consumer reporting agency 3 |
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| 33 | 33 | | place a security freeze, which shall include suf-4 |
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| 34 | 34 | | ficient proof of identification, sufficient proof of 5 |
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| 35 | 35 | | authority, and all other necessary documenta-6 |
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| 36 | 36 | | tion, the following shall apply: 7 |
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| 37 | 37 | | ‘‘(i) The consumer reporting agency 8 |
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| 38 | 38 | | shall, free of charge— 9 |
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| 39 | 39 | | ‘‘(I) in the case of a request that 10 |
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| 40 | 40 | | is by toll-free telephone, secure elec-11 |
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| 41 | 41 | | tronic means, or mail, place the secu-12 |
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| 42 | 42 | | rity freeze not later than 3 business 13 |
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| 43 | 43 | | days after receiving the request di-14 |
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| 44 | 44 | | rectly from the protected consumer’s 15 |
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| 45 | 45 | | representative; and 16 |
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| 46 | 46 | | ‘‘(II) not later than 3 business 17 |
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| 47 | 47 | | days after receiving the request di-18 |
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| 48 | 48 | | rectly from the protected consumer’s 19 |
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| 49 | 49 | | representative, notify each other con-20 |
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| 50 | 50 | | sumer reporting agency regarding the 21 |
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| 51 | 51 | | request. 22 |
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| 52 | 52 | | ‘‘(ii) A consumer reporting agency re-23 |
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| 53 | 53 | | ceiving a notification submitted under 24 |
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| 54 | 54 | | clause (i)(II) shall place the requested 25 |
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| 55 | 55 | | VerDate Sep 11 2014 02:08 Mar 08, 2025 Jkt 059200 PO 00000 Frm 00002 Fmt 6652 Sfmt 6201 E:\BILLS\S619.IS S619 |
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| 56 | 56 | | kjohnson on DSK7ZCZBW3PROD with $$_JOB 3 |
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| 57 | 57 | | •S 619 IS |
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| 58 | 58 | | freeze not later than 3 business days after 1 |
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| 59 | 59 | | receiving that notification.’’. 2 |
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| 60 | 60 | | (b) E |
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| 61 | 61 | | FFECTIVEDATE.—The amendments made by 3 |
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| 62 | 62 | | subsection (a) shall take effect on the date that is 18 4 |
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| 63 | 63 | | months after the date of enactment of this Act. 5 |
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| 64 | 64 | | Æ |
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| 65 | 65 | | VerDate Sep 11 2014 02:08 Mar 08, 2025 Jkt 059200 PO 00000 Frm 00003 Fmt 6652 Sfmt 6301 E:\BILLS\S619.IS S619 |
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| 66 | 66 | | kjohnson on DSK7ZCZBW3PROD with $$_JOB |
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