,,ii  #aae? ,,congress  #a/ ,session    
,s4 #ahaj  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,septemb] #ad1         
#bjag,mr4 ,wyd5 introduc$ ! foll[+ bill2
 :i* 0 read twice & ref]r$ to !         
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,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