,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #chgh  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #bh1        
#bjag,mr4 ,b5 ,ray ,lujn ( ,new ,mexico 
7= himself1 ,mr4 ,langev91 ,mr4 ,crd5as1
 ,mr4 ,nadl]1 ,mr4 ,bey]1 ,ms4 ,kaptur1 
,ms4 ,norton1 ,mr4 ,br5dan ,f4 ,boyle ( 
,p5nsylvania1 ,mr4 ,bi%op ( ,georgia1   
,ms4 ,mi*elle ,lujan ,gri%am ( ,new     
,mexico1 ,mr4 ,capuano1 ,mr4            
,butt]field1 & ,mrs4 ,napolitano7       
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to provide access to free cr$it   
freezes = all consum]s4  #a4 ,%ort title
 ,?is ,act may be cit$ z ! ,free ,cr$it 
,freeze ,act4  #b4 ,provides access to  
free cr$it freezes = all consum]s       
,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 ,cr$it freeze fees  7#a7 ,def9ition 
,9 ?is subsection1 ! t]m cr$it freeze   
means a re/riction plac$ at ! reque/ ( a

 consum] or a p]sonal repres5tative ( ! 
consum]1 on ! consum] report ( !        
consum]1 t prohibits a consum] report+  
ag5cy describ$ 9 section #fjc7p7 f      
releas+ ! consum] report = a purpose    
relat+ to ! ext5sion ( cr$it )\t !      
express au?orization ( ! consum]4 ,a    
cr$it freeze %all n apply to ! use ( a  
consum] report by any ( ! foll[+3  7,a7 
,a p]son1 or ! p]son's subsidi>y1       
affiliate1 ag5t1 subcontractor1 or      
assignee ) :om ! consum] has1 or prior  
to assignm5t _h1 an acc\nt1 contract1 or
 debtor-cr$itor relation%ip = ! purposes
 ( review+ ! active acc\nt or collect+ !
 f9ancial obligation ow$ on ! acc\nt1   
contract1 or debt4  7,b7 ,a p]son1 or ! 
p]son's subsidi>y1 affiliate1 ag5t1     
subcontractor1 or assignee1 to :om      
access has be5 grant$ pursuant to a     
reque/ by ! consum] = purposes (        
facilitat+ ! ext5sion ( cr$it or o!r    
p]missible use4  7,c7 ,any p]son act+   
pursuant to a c\rt ord]1 w>rant1 or     
subpo5a4  7,d7 ,a ,f$]al1 ,/ate1 or     

local gov]nm5t1 or an ag5t or assignee  
!re(4  7,e7 ,any p]son = ! sole purpose 
( provid+ a cr$it monitor+ or id5tity   
!ft protection s]vice to :i* ! consum]  
has subscrib$4  7,f7 ,any p]son = !     
purpose ( provid+ a consum] ) a copy ( !
 consum] report1 or cr$it score ( !     
consum] ^u ! consum]'s reque/4  7,g7    
,any p]son or entity = insurance        
purposes1 includ+ use 9 sett+ or adju/+ 
a rate1 adju/+ a claim1 or und]writ+4   
7,h7 ,any p]son act+ pursuant to an     
au?orization f a consum] to use _!      
consum] report = employm5t purposes4    
7#b7 ,prohibition on fees ,a consum]    
report+ ag5cy describ$ 9 section #fjc7p7
 may n *>ge a consum] a fee to place1   
tempor>ily lift1 or fully remove a cr$it
 freeze4  4