,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #cgff  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #ac1        
#bjag,mr4 ,himes introduc$ ! foll[+     
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,a ,,bill  ,to am5d 
! ,fair ,cr$it ,report+ ,act to require 
consum] report+ ag5cies to place a      
security freeze on a consum] report )\t 
a fee if ! consum] report+ ag5cy is     
subject to a brea* ( data security1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,cr$it ,in=mation      
,protection ,act ( #bjag4  #b4 ,security
 freezes on consum] reports ,section    
#fje;,a ( ! ,fair ,cr$it ,report+ ,act  
7#ae ,u4,s4,c4 #afha;c-#a7 is am5d$ by  
add+ at ! end ! foll[+3  7i7 ,security  
freezes  7#a7 ,9 g5]al ,a consum]       
report+ ag5cy describ$ 9 section #fjc7p7
 %all provide to a consum]1 ^u reque/1 a
 security freeze on ! consum] report (  
su* consum] aft] a brea* ( data security
 at su* a consum] report+ ag5cy4  7#b7  
,types ( security freezes ,a consum]    

report+ ag5cy %all-- 7,a7 place a       
security freeze on a consum] report )\t 
a fee to any consum]2 &  7,b7 ) respect 
to a consum] t has be5 specifically     
notifi$ by ! consum] report+ ag5cy t !  
consum] 0 affect$ by ! brea* ( data     
security1 place or remove an unlimit$   
am\nt ( security freezes1 ^u reque/1 )\t
 a fee4  7#c7 ,def9itions ,9 ?is        
subsection3 7,a7 ,brea* ( data security 
7i7 ,9 g5]al ,! t]m brea* ( data        
security means ! unau?oriz$ acquisition 
( s5sitive f9ancial acc\nt in=mation or 
s5sitive p]sonal in=mation4  7ii7       
,exception = data t is n 9 usable =m ,! 
t]m brea* ( data security does n include
 ! unau?oriz$ acquisition ( s5sitive    
f9ancial acc\nt in=mation or s5sitive   
p]sonal in=mation t is encrypt$1 r$act$1
 or o!rwise protect$ by ano!r me?od t   
r5d]s ! in=mation unreadable & unusable 
if ! encryption1 r$action1 or protection
 process or key is n also acquir$ )\t   
au?orization4  7,b7 ,security freeze ,! 
t]m security freeze means a notice plac$

 9 a consum] report1 at ! reque/ ( a    
consum]1 t prohibits ! cr$it report+    
ag5cy f releas+ ! consum] report or any 
in=mation 9 ! consum] report )\t !      
express au?orization ( ! consum]4  7,c7 
,s5sitive f9ancial acc\nt in=mation ,!  
t]m s5sitive f9ancial acc\nt in=mation  
means a f9ancial acc\nt numb] relat+ to 
a consum]1 includ+ a cr$it c>d numb] or 
debit c>d numb]1 9 comb9ation ) any     
security code1 access code1 password1 or
 o!r p]sonal id5tification in=mation    
requir$ to access ! f9ancial acc\nt4    
7,d7 ,s5sitive p]sonal in=mation  7i7 ,9
 g5]al ,! t]m s5sitive p]sonal in=mation
 includes-- 7,i7 a ,social ,security    
numb]2 &  7,,ii7 ! fir/ & la/ "n ( a    
consum] 9 comb9ation )-- 7aa7 !         
consum]'s driv]'s lic5se numb]1 passport
 numb]1 milit>y id5tification numb]1 or 
o!r simil> numb] issu$ on a gov]nm5t    
docum5t us$ to v]ify id5tity2  7bb7     
in=mation t c\ld be us$ to access a     
consum]'s acc\nt1 su* z a us] "n &      
password or e-mail & password2 or  7cc7 

biometric data ( ! consum] us$ to ga9   
access to f9ancial acc\nts ( ! consum]4 
7ii7 ,exception ,! t]m s5sitive p]sonal 
in=mation does n include publicly       
available in=mation t is lawfully made  
available to ! g5]al public & obta9$ f--
  7,i7 ,f$]al1 ,/ate1 or local gov]nm5t 
records2 or  7,,ii7 widely di/ribut$    
m$ia4  4