,,ii  #aae? ,,congress  #a/ ,session    
,s4 #ahaf  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,septemb] #ad1 #bjag   
,ms4 ,w>r5 7= h]self1 ,mr4 ,s*atz1 ,mr4 
,m55dez1 ,mr4 ,van ,holl51 ,mrs4        
,gillibr&1 ,mr4 ,blum5?al1 ,mr4 ,m>key1 
,mr4 ,s&]s1 ,mr4 ,wyd51 ,mr4 ,durb91    
,mr4 ,m]kley1 & ,mr4 ,frank57 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$it ,report+ ,act to enhance   
fraud al]t proc$ures & provide free     
access to cr$it freezes1 & = o!r        
purposes4  #a4 ,%ort title  ,?is ,act   
may be cit$ z ! ,fre$om f ,equifax      
,exploitation ,act4  #b4 ,def9ition (   
cr$it freeze ,section #fjc7q7 ( ! ,fair 
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;a7q77 is am5d$ by add+ at ! end ! 
foll[+3  7#f7 ,cr$it freeze  7,a7 ,9    
g5]al ,! t]m cr$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 f     
releas+ ! consum] report = a purpose    
relat+ to ! ext5sion ( cr$it )\t !      
express au?orization ( ! consum]4  7,b7 
,exception ,a cr$it freeze %all n apply 
to ! use ( a consum] report by any ( !  
foll[+3  7i7 ,a p]son1 or ! subsidi>y1  
affiliate1 ag5t1 subcontractor1 or      
assignee ( ! p]son1 ) :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  7ii7 ,a  
p]son1 or ! subsidi>y1 affiliate1 ag5t1 
subcontractor1 or assignee ( ! p]son1 to
 :om access has be5 grant$ pursuant to a
 reque/ by ! consum] describ$ "u section
 #fje;,a7i77#a77;,b71 = purposes (      
facilitat+ ! ext5sion ( cr$it or o!r    
p]missible use4  7iii7 ,any p]son act+  
pursuant to a c\rt ord]1 w>rant1 or     
subpo5a4  7iv7 ,a ,f$]al1 ,/ate1 or     
local gov]nm5t1 or an ag5t or assignee  
!re(4  7v7 ,any p]son = ! sole purpose (

 provid+ a cr$it monitor+ or id5tity !ft
 protection s]vice to :i* ! consum] has 
subscrib$4  7vi7 ,any p]son = ! purpose 
( provid+ a consum] ) a copy ( ! consum]
 report or cr$it score ( ! consum] ^u   
reque/ by ! consum]4  7vii7 ,any p]son  
or entity = insurance purposes1 includ+ 
use 9 sett+ or adju/+ a rate1 adju/+ a  
claim1 or und]writ+4  7viii7 ,any p]son 
act+ pursuant to an au?orization f a    
consum] to use _! consum] report =      
employm5t purposes4  4  #c4 ,enhancem5t 
( fraud al]t protections ,section       
#fje;,a ( ! ,fair ,cr$it ,report+ ,act  
7#ae ,u4,s4,c4 #afha;c-#a7 is am5d$--   
7#a7 9 subsection 7a7--  7,a7 9 !       
subsection head+1 by /rik+ ,"o-,call &  
ins]t+ ,"o-,ye>2  7,b7 9 p>agraph 7#a7--
  7i7 9 ! p>agraph head+1 by /rik+      
,initial al]ts & ins]t+ ,9 g5]al2  7ii7 
9 ! matt] prec$+ subp>agraph 7,a71 by   
ins]t+ or h>m$ by ! unau?oriz$          
disclosure ( ! f9ancial or p]sonally    
id5tifiable in=mation ( ! consum]1 aft] 
id5tity !ft12  7iii7 9 subp>agraph      

7,a7-- 7,i7 by /rik+ #ij days & ins]t+  
#a ye>2 &  7,,ii7 by /rik+ & at ! end2  
7iv7 9 subp>agraph 7,b7--  7,i7 by      
ins]t+ #a-ye> be=e fraud al]t2 &  7,,ii7
 by /rik+ ! p]iod at ! end & ins]t+ 2 &2
 &  7v7 by add+ at ! end ! foll[+3  7,c7
 ^u ! expiration ( ! #a-ye> p]iod       
describ$ 9 subp>agraph 7,a7 or a        
subsequ5t #a-ye> p]iod1 & 9 response to 
a direct reque/ by ! consum] or su*     
repres5tative1 cont9ue ! fraud al]t = an
 additional p]iod ( #a ye> if !         
in=mation ass]t$ 9 ?is p>agraph rema9s  
applicable4  2 &  7,c7 9 p>agraph 7#b7--
 7i7 9 ! matt] prec$+ subp>agraph 7,a71 
by ins]t+ #a-ye> be=e fraud al]t2 &     
7ii7 9 subp>agraph 7,b71 by /rik+ any   
reque/ describ$ 9 subp>agraph 7,a7 &    
ins]t+ ! consum] report+ ag5cy includes 
! #a-ye> fraud al]t 9 ! file ( !        
consum]2  7#b7 9 subsection 7b7--  7,a7 
9 ! subsection head+1 by /rik+ ,ext5d$ &
 ins]t+ ,sev5-,ye>2  7,b7 9 p>agraph    
7#a7--  7i7 9 subp>agraph 7,b7-- 7,i7 by
 /rik+ #e-ye> p]iod beg9n+ on ! date (  

su* reque/ & ins]t+ ! #g-ye> p]iod      
describ$ 9 subp>agraph 7,a72 &  7,,ii7  
by /rik+ & at ! end2  7ii7 9 subp>agraph
 7,c7--  7,i7 by /rik+ ext5d$ & ins]t+  
#g-ye>2 &  7,,ii7 by /rik+ ! p]iod at ! 
end & ins]t+ 2 &2 &  7iii7 by add+ at ! 
end ! foll[+3  7,d7 ^u ! expiration ( ! 
#g-ye> p]iod describ$ 9 subp>agraph 7,a7
 or a subsequ5t #g-ye> p]iod1 & 9       
response to a direct reque/ by ! consum]
 or su* repres5tative1 cont9ue ! fraud  
al]t = an additional p]iod ( #g ye>s if 
! consum] or su* repres5tative submits  
an updat$ id5tity !ft report4  2 &  7,c7
 9 p>agraph 7#b71 by am5d+ subp>agraph  
7,a7 to read z foll[s3  7,a7 disclose to
 ! consum] t ! consum] may reque/ a free
 copy ( ! file ( ! consum] pursuant to  
section #fab7;d7 dur+ ea* #ab-mon? p]iod
 beg9n+ on ! date on :i* ! #g-ye> fraud 
al]t 0 includ$ 9 ! file & end+ on ! date
 ( ! la/ day t ! #g-ye> fraud al]t      
applies to ! file ( ! consum]2 &  2     
7#c7 9 subsection 7c7-- 7,a7 by         
r$esignat+ p>agraphs 7#a71 7#b71 & 7#c71

 z subp>agraphs 7,a71 7,b71 & 7,c71     
respectively1 & adju/+ ! m>g9s          
accord+ly2  7,b7 9 ! matt] prec$+       
subp>agraph 7,a71 z s r$esignat$1 by    
/rik+ ,^u ! direct reque/ & ins]t+ !    
foll[+3  7#a7 ,9 g5]al ,^u ! direct     
reque/  2 &  7,c7 by add+ at ! end !    
foll[+3  7#b7 ,access to free reports   
,if a consum] report+ ag5cy includes an 
active duty al]t 9 ! file ( an active   
duty milit>y consum]1 ! consum] report+ 
ag5cy %all--  7,a7 disclose to ! active 
duty milit>y consum] t ! active duty    
milit>y consum] may reque/ a free copy (
 ! file ( ! active duty milit>y consum] 
pursuant to section #fab7;d71 dur+ ea*  
#ab-mon? p]iod beg9n+ on ! date on :i* !
 activity duty milit>y al]t is reque/$ &
 end+ on ! date ( ! la/ day t ! active  
duty al]t applies to ! file ( ! active  
duty milit>y consum]2 &  7,b7 n lat] ?an
 #c bus9ess days aft] ! date on :i* !   
active duty milit>y consum] makes a     
reque/ describ$ 9 subp>agraph 7,a71     
provide to ! active duty milit>y consum]

 all disclosures requir$ to be made "u  
section #fji1 )\t *>ge to ! active duty 
milit>y consum]4  2  7#d7 by am5d+      
subsection 7d7 to read z foll[s3  7d7   
,proc$ures ,ea* consum] report+ ag5cy   
describ$ 9 section #fjc7p7 %all e/abli% 
& make available to ! public on !       
,int]net website ( ! consum] report+    
ag5cy policies & proc$ures to comply )  
?is section1 includ+ policies &         
proc$ures--  7#a7 t in=m consum]s ( !   
availability ( #a-ye> fraud al]ts1      
#g-ye> fraud al]ts1 active duty al]ts1 &
 cr$it freezes1 z applicable2  7#b7 t   
all[ consum]s to reque/ #a-ye> fraud    
al]ts1 #g-ye> fraud al]ts1 & active duty
 al]ts1 z applicable1 & to place1       
tempor>ily lift1 or fully remove a cr$it
 freeze 9 a simple & easy mann]2 &  7#c7
 = ass]t+ 9 good fai? a suspicion t !   
consum] has be5 or is ab\t to become a  
victim ( id5tity !ft1 fraud1 or a relat$
 crime1 or h>m$ by ! unau?oriz$         
disclosure ( ! f9ancial or p]sonally    
id5tifiable in=mation ( ! consum]1 = a  

consum] seek+ a #a-ye> fraud al]t or    
cr$it freeze4  2  7#e7 9 subsection 7e71
 9 ! matt] prec$+ p>agraph 7#a71 by     
ins]t+ #a-ye> or #g-ye> be=e fraud al]t2
  7#f7 9 subsection 7f71 by /rik+ or    
active duty al]t & ins]t+ active duty   
al]t1 or cr$it freeze1 z applicable12   
7#g7 9 subsection 7g7-- 7,a7 by ins]t+  
or has be5 h>m$ by ! unau?oriz$         
disclosure ( ! f9ancial or p]sonally    
id5tifiable in=mation ( ! consum]1 aft] 
id5tity !ft12 &  7,b7 by ins]t+ or cr$it
 freezes aft] reque/ al]ts2 &  7#h7 9   
subsection 7h7--  7,a7 9 p>agraph 7#a7--
 7i7 9 ! p>agraph head+1 by /rik+       
initial & ins]t+ #a-ye>2  7ii7 9        
subp>agraph 7,a71 by /rik+ initial &    
ins]t+ #a-ye>2 &  7iii7 9 subp>agraph   
7,b77i71 by /rik+ an initial & ins]t+ a 
#a-ye>2 &  7,b7 9 p>agraph 7#b7-- 7i7 9 
! p>agraph head+1 by /rik+ ext5d$ &     
ins]t+ #g-ye>2  7ii7 9 subp>agraph 7,a71
 9 ! matt] prec$+ clause 7i71 by /rik+  
ext5d$ & ins]t+ #g-ye>2 &  7iii7 9      
subp>agraph 7,b71 by /rik+ an ext5d$ &  

ins]t+ a #g-ye>4  #d4 ,provid+ free     
access to cr$it freezes ,section #fje;,a
 ( ! ,fair ,cr$it ,report+ ,act 7#ae    
,u4,s4,c4 #afha;c-#a7 is am5d$ by add+  
at ! end ! foll[+3  7i7 ,cr$it freezes  
7#a7 ,9 g5]al ,^u ! direct reque/ ( a   
consum]1 or an individual act+ on behalf
 ( or z a p]sonal repres5tative ( a     
consum]1 a consum] report+ ag5cy t      
ma9ta9s a file on ! consum] & has       
receiv$ appropriate pro( ( ! id5tity ( !
 reque/] 7z describ$ 9 section #ajbb4abc
 ( title #ab1 ,code ( ,f$]al            
,regulations1 or any successor !reto7   
%all--  7,a7 7i7 n lat] ?an #a bus9ess  
day aft] receiv+ ! reque/ s5t by po/al  
mail1 toll-free telephone1 or secure    
electronic means z e/abli%$ by ! ag5cy1 
place a cr$it freeze on ! file ( !      
consum]2  7ii7 n lat] ?an #e bus9ess    
days aft] plac+ a cr$it freeze describ$ 
9 clause 7i71 provide ! consum] ) writt5
 confirmation ( ! cr$it freeze & a      
unique p]sonal id5tification numb] or   
password 7o!r ?an ! social security     

numb] ( ! consum]7 = use to au?orize !  
release ( ! file ( ! consum] = a        
specific p]iod ( "t2 &  7iii7 disclose  
all relevant in=mation to ! consum]     
relat+ to ! proc$ures = tempor>ily lift+
 & fully remov+ a cr$it freeze1 includ+ 
a /atem5t ab\t ! maximum am\nt ( "t giv5
 to an ag5cy to conduct ^? actions2     
7,b7 if ! consum] provides a correct    
p]sonal id5tification numb] or password1
 tempor>ily lift an exi/+ cr$it freeze f
 ! file ( ! consum] = a p]iod ( "t      
specifi$ by ! consum] = a specific us]  
or category ( us]s1 z det]m9$ by !      
consum]--  7i7 n lat] ?an #a bus9ess day
 aft] receiv+ ! reque/ by po/al mail2 or
  7ii7 n lat] ?an #ae m9utes aft]       
receiv+ ! reque/ by toll-free telephone 
numb] or secure electronic means        
e/abli%$ by ! ag5cy1 if ! reque/ is     
receiv$ dur+ regul> bus9ess h\rs1 except
 if ! ability ( ! consum] report+ ag5cy 
to tempor>ily lift ! cr$it freeze is    
prev5t$ by--  7,i7 an act ( ,god1       
includ+ e>?quakes1 hurricanes1 /orms1 or

 simil> natural disa/] or ph5om5on1 or  
fire2  7,,ii7 unau?oriz$ or illegal acts
 by a ?ird p>ty includ+ t]rorism1       
sabotage1 riot1 v&alism1 labor /rikes or
 disputes disrupt+ op]ations1 or a      
simil> occurr5ce2  7,,iii7 an op]ational
 int]ruption1 includ+ electrical        
failure1 unanticipat$ delay 9 equipm5t  
or replacem5t "p deliv]y1 comput] h>dw>e
 or s(tw>e failures inhibit+ response   
"t1 or a simil> disruption2  7,,iv7     
gov]nm5tal action1 includ+ em]g5cy ord]s
 or regulations1 judicial or law        
en=cem5t action1 or a simil> directive2 
7,v7 regul>ly s*$ul$ ma9t5ance or       
updates to ! sy/ems ( ! consum] report+ 
ag5cy occurr+ outside ( normal bus9ess  
h\rs2 or  7,,vi7 comm]cially reasonable 
ma9t5ance (1 or repair to1 ! sy/ems ( ! 
consum] report+ ag5cy t is unexpect$ or 
uns*$ul$2 or  7,c7 if ! consum] provides
 a correct p]sonal id5tification numb]  
or password1 fully remove an exi/+ cr$it
 freeze f ! file ( ! consum] n lat] ?an 
#ba bus9ess days aft] receiv+ ! reque/  

by po/al mail1 toll-free telephone1 or  
secure electronic means e/abli%$ by !   
consum] report+ ag5cy4  7#b7 ,no fee  ,a
 consum] report+ ag5cy may n *>ge a     
consum] a fee to place1 tempor>ily lift1
 or fully remove a cr$it freeze4  7#c7  
,exclusion f ?ird-p>ty li/s ,dur+ !     
p]iod beg9n+ on ! date on :i* a consum] 
or a repres5tative ( ! consum] reque/s  
to place a cr$it freeze & end+ ! date on
 :i* ! consum] or repres5tative reque/s 
to fully remove a cr$it freeze1 a       
consum] report+ ag5cy %all exclude !    
consum] f any li/ ( consum]s prep>$ by !
 consum] report+ ag5cy & provid$ to any 
?ird p>ty to (f] cr$it or insurance to !
 consum] z "p ( a transaction t 0 n     
initiat$ by ! consum]1 unless ! consum] 
or t repres5tative reque/s t ! exclusion
 be resc9d$ be=e end ( ! p]iod4  4  #e4 
,additional free consum] report ,section
 #fab ( ! ,fair ,cr$it ,report+ ,act    
7#ae ,u4,s4,c4 #afha;j7 is am5d$-- 7#a7 
9 subsection 7f77#a71 9 ! matt] prec$+  
subp>agraph 7,a71 by ins]t+ or          

subsection 7h7 aft] ?r\gh 7d72 &  7#b7  
by add+ at ! end ! foll[+3  7h7 ,free   
disclosures 9 connection ) cr$it freeze 
,9 addition to ! free annual disclosure 
requir$ "u subsection 7a77#a77;,a71 ea* 
consum] report+ ag5cy t ma9ta9s a file  
on a consum] :o reque/s a cr$it freeze  
"u section #fje;,a7i7 %all make all     
disclosures pursuant to section #fji    
once dur+ any #ab-mon? p]iod )\t *>ge to
 ! consum] if ! consum] makes a reque/  
"u section #fji4  4  #f4 ,refunds  7a7  
,def9itions ,9 ?is section1 ! t]ms      
consum]1 consum] report+ ag5cy1 & cr$it 
freeze h ! mean+s giv5 ^? t]ms 9 section
 #fjc ( ! ,fair ,cr$it ,report+ ,act    
7#ae ,u4,s4,c4 #afha;a71 z am5d$ by     
section #b4  7b7 ,refunds ,) respect to 
any consum] :o reque/$ a cr$it freeze f 
a consum] report+ ag5cy dur+ ! p]iod    
beg9n+ on ,septemb] #g1 #bjag1 & end+ on
 ! day be=e ! date ( enactm5t ( ?is     
,act1 ! consum] report+ ag5cy--  7#a7   
%all issue a refund to ! consum] = any  
fees *>g$ to ! consum] relat+ to !      

reque/ = a cr$it freeze2 &  7#b7 may n  
impose a fee on ! consum] to tempor>ily 
lift or fully remove ! cr$it freeze4