,,ii  #aaeth ,,congress  #ast ,session  
,s4 #ahaj  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,september #ad1
 #bjag,mr4 ,wyden introduced the        
following bill2 which was read twice and
 referred to the ,committee on ,banking1
 ,housing1 and ,urban ,affairs  ,a      
,,bill  ,to amend the ,fair ,credit     
,reporting ,act to provide access to    
free credit freezes for all consumers4  
#a4 ,short title ,this ,act may be cited
 as the ,free ,credit ,freeze ,act4  #b4
 ,provides access to free credit freezes
 for all consumers ,section #fje;,a of  
the ,fair ,credit ,reporting ,act 7#ae  
,u4,s4,c4 #afha;c-#a7 is amended by     
adding at the end the following3  7i7   
,credit freeze fees  7#a7 ,definition   
,in this subsection1 the term credit    
freeze means a restriction placed at the
 request of a consumer or a personal    
representative of the consumer1 on the  
consumer report of the consumer1 that   
prohibits a consumer reporting agency   
described in section #fjc7p7 from       

releasing the consumer report for a     
purpose relating to the extension of    
credit without the express authorization
 of the consumer4 ,a credit freeze shall
 not apply to the use of a consumer     
report by any of the following3  7,a7 ,a
 person1 or the person's subsidiary1    
affiliate1 agent1 subcontractor1 or     
assignee with whom the consumer has1 or 
prior to assignment had1 an account1    
contract1 or debtor-creditor            
relationship for the purposes of        
reviewing the active account or         
collecting the financial obligation owed
 on the account1 contract1 or debt4     
7,b7 ,a person1 or the person's         
subsidiary1 affiliate1 agent1           
subcontractor1 or assignee1 to whom     
access has been granted pursuant to a   
request by the consumer for purposes of 
facilitating the extension of credit or 
other permissible use4  7,c7 ,any person
 acting pursuant to a court order1      
warrant1 or subpoena4  7,d7 ,a ,federal1
 ,state1 or local government1 or an     

agent or assignee thereof4  7,e7 ,any   
person for the sole purpose of providing
 a credit monitoring or identity theft  
protection service to which the consumer
 has subscribed4  7,f7 ,any person for  
the purpose of providing a consumer with
 a copy of the consumer report1 or      
credit score of the consumer upon the   
consumer's request4  7,g7 ,any person or
 entity for insurance purposes1         
including use in setting or adjusting a 
rate1 adjusting a claim1 or             
underwriting4  7,h7 ,any person acting  
pursuant to an authorization from a     
consumer to use their consumer report   
for employment purposes4  7#b7          
,prohibition on fees ,a consumer        
reporting agency described in section   
#fjc7p7 may not charge a consumer a fee 
to place1 temporarily lift1 or fully    
remove a credit freeze4  4