119-s619

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[S. 619 Introduced in Senate

    (IS) ]

<DOC>

119th CONGRESS
 1st Session
 S. 619

 To amend the Fair Credit Reporting Act to address the placement of 
 security freezes for protected consumers, and for other purposes.

_______________________________________________________________________

 IN THE SENATE OF THE UNITED STATES

 February 18, 2025

Ms. Hassan (for herself and Mr. Cornyn) introduced the following bill; 
which was read twice and referred to the Committee on Banking, Housing, 
 and Urban Affairs

_______________________________________________________________________

 A BILL

 To amend the Fair Credit Reporting Act to address the placement of 
 security freezes for protected consumers, and for other purposes.

 Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

 This Act may be cited as the ``Credit Freeze for Kids Act''.

SEC. 2. SECURITY FREEZES FOR PROTECTED CONSUMERS.

    (a) In General.--

Section 605A

    (j)

    (2)
        (A) of the Fair Credit Reporting 
Act (15 U.S.C. 1681c-1

    (j)

    (2)
        (A) ) is amended to read as follows:
 ``
        (A) In general.--Upon receiving a direct request 
 from a protected consumer's representative that a 
 consumer reporting agency place a security freeze, 
 which shall include sufficient proof of identification, 
 sufficient proof of authority, and all other necessary 
 documentation, the following shall apply:
 ``
            (i) The consumer reporting agency shall, 
 free of charge--
 ``
            (I) in the case of a request that 
 is by toll-free telephone, secure 
 electronic means, or mail, place the 
 security freeze not later than 3 
 business days after receiving the 
 request directly from the protected 
 consumer's representative; and
 ``
            (II) not later than 3 business 
 days after receiving the request 
 directly from the protected consumer's 
 representative, notify each other 
 consumer reporting agency regarding the 
 request.
 ``
            (ii) A consumer reporting agency 
 receiving a notification submitted under clause
            (i) 
            (II) shall place the requested freeze not 
 later than 3 business days after receiving that 
 notification.''.

    (b) Effective Date.--The amendments made by subsection

    (a) shall 
take effect on the date that is 18 months after the date of enactment 
of this Act.
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