,,ii  #aae? ,,congress  #a/ ,session    
,s4 #aihb  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,octob] #ah1 #bjag,mr4 
,p]due 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$it ,report+
 ,act to e/abli% a national security    
freeze /&>d1 & = o!r purposes4  #a4     
,%ort title ,?is ,act may be cit$ z !   
,promot+ ,responsible ,ov]sight (       
,transactions & ,exam9ations ( ,cr$it   
,te*nology ,act ( #bjag or ! ,,protect  
,act ( #bjag4  ,i ,national ,security   
,freeze  #aja4 ,national security freeze
 & additional protections = files &     
cr$it records ( protect$ consum]s       
,section #fje ( ! ,fair ,cr$it ,report+ 
,act 7#ae ,u4,s4,c4 #afha;c7 is am5d$ by
 add+ at ! end ! foll[+3  7i7 ,national 
security freeze & additional protections
 = files & cr$it records ( protect$     
consum]s  7#a7 ,def9itions ,= purposes (
 ?is subsection3 7,a7 ,! t]m prop]      
id5tification has ! mean+ ( su* t]m z   

us$ "u section #faj4  7,b7 ,! t]m       
consum] report+ ag5cy means a consum]   
report+ ag5cy t compiles & ma9ta9s files
 on consum]s on a nationwide basis4     
7,c7 ,! t]m security freeze means a     
re/riction plac$ on mak+ consum] reports
 ( a consum]1 at ! reque/ ( ! consum]1 t
 prohibits a consum] report+ ag5cy f    
mak+ a consum] report ) respect to !    
consum] to any p]son = ! purpose ( op5+ 
a new acc\nt involv+ ! ext5sion ( cr$it4
  7#b7 ,reque/ = security freeze1       
process+ "t1 confirmation ( freeze &    
p]sonal id5tification numb] or password 
7,a7 ,reque/ ,a consum] may reque/ t a  
consum] report+ ag5cy place a security  
freeze by s5d+ a reque/ via mail1       
telephone1 facsimile1 int]net1 or o!r   
electronic m$ia to ! consum] report+    
ag5cy 9 a mann] designat$ by ! consum]  
report+ ag5cy to receive su* reque/s4   
7,b7 ,placem5t ( security freeze ,a     
consum] report+ ag5cy %all place a      
security freeze no lat] ?an #e bus9ess  
days aft] receiv+ f ! consum]--  7i7 a  

reque/ describ$ "u subp>agraph 7,a72    
7ii7 prop] id5tification2 &  7iii7      
paym5t ( ! requir$ fee1 if applicable4  
7,c7 ,confirmation & additional         
in=mation ,n lat] ?an #aj bus9ess days  
aft] plac+ a security freeze1 ! consum] 
report+ ag5cy %all--  7i7 s5d           
confirmation ( ! placem5t to ! consum]2 
7ii7 in=m ! consum] ( ! process by :i* !
 consum] may tempor>ily lift ! security 
freeze & all[ ! consum] report+ ag5cy to
 make a consum] report ) respect to !   
consum] = a specific entity or a        
specific p]iod ( "t2  7iii7 provide !   
consum] ) a unique p]sonal id5tification
 numb] or password to be us$ ) ! process
 describ$ "u subp>agraph 7,b72 &  7iv7  
in=m ! consum] ( ! process by :i* !     
consum] may remove ! security freeze4   
7,d7 ,notice to ?ird p>ties ,a consum]  
report+ ag5cy may advise a ?ird p>ty t a
 security freeze has be5 plac$ ) respect
 to a consum]4  7#c7 ,reque/s to        
tempor>ily lift freeze1 tim+1 reque/    
proc$ures  7,a7 ,9 g5]al ,if a consum] )

 a security freeze 9 place wi%es to     
tempor>ily all[ a consum] report+ ag5cy 
to make a consum] report ) respect to ! 
consum] = a specific entity or a        
specific p]iod ( "t1 ! consum] may      
notify ! consum] report+ ag5cy us+ a    
me?od ( contact designat$ by ! consum]  
report+ ag5cy1 reque/+ t ! freeze be    
tempor>ily lift$1 & provid+1 to complete
 ! reque/1 all ( ! foll[+3  7i7 ,prop]  
id5tification4  7ii7 ,! unique p]sonal  
id5tification numb] or password provid$ 
by ! consum] report+ ag5cy pursuant to  
p>agraph 7#b77;,c74  7iii7 ,! applicable
 in=mation reg>d+ ! entity or "t p]iod )
 respect to :i* ! consum] wi%es !       
security freeze to be lift$4  7iv7 ,!   
requir$ fee1 if applicable4  7,b7       
,tempor>y lift+ ( security freeze ,a    
consum] report+ ag5cy t receives a      
reque/ describ$ "u subp>agraph 7,a7 %all
 comply ) ! reque/ n lat] ?an #c bus9ess
 days aft] receiv+ ! reque/4  7,c7      
,proc$ures ,a consum] report+ ag5cy may 
develop proc$ures involv+ ! use (       

telephone1 facsimile1 ! int]net1 or o!r 
electronic m$ia to receive & process a  
reque/ f a consum] describ$ "u          
subp>agraph 7,a7 9 an exp$it$ mann]4    
7#d7 ,m&atory removal or tempor>y lift+ 
( freeze1 notice to consum]1 & ?ird-p>ty
 reque/s  7,a7 ,9 g5]al ,a consum]      
report+ ag5cy %all remove or tempor>ily 
lift a freeze plac$ on ! consum] report 
( a consum] only 9 ! foll[+ cases3  7i7 
,^u consum] reque/4  7ii7 ,! security   
freeze 0 plac$ due to a mat]ial         
misrepres5tation ( fact by ! consum]4   
7,b7 ,notice if removal n by reque/ ,if 
a consum] report+ ag5cy int5ds to remove
 a security freeze ) respect to a       
consum]1 & is n do+ s at ! reque/ ( !   
consum]1 ! consum] report+ ag5cy %all   
notify ! consum] 9 writ+ prior to remov+
 ! security freeze4  7,c7 ,?ird-p>ty    
reque/s ,if a ?ird p>ty reque/s access  
to a consum] report ( a consum] )       
respect to :i* a security freeze is 9   
effect1 :]e su* reque/ is 9 connection )
 an application = cr$it or any o!r use1 

& ! consum] does n all[ su* consum]     
report to be access$1 ! ?ird p>ty may   
treat ! application z incomplete4  7#e7 
,removal ( freeze by consum] reque/ ,a  
security freeze %all rema9 9 place until
 ! consum] reque/s1 us+ a me?od (       
contact designat$ by ! consum] report+  
ag5cy1 t ! security freeze be remov$4 ,a
 consum] report+ ag5cy %all remove a    
security freeze )9 #c bus9ess days (    
receiv+ su* a reque/ = removal f !      
consum]1 :o provides along ) x--  7,a7  
prop] id5tification2  7,b7 ! unique     
p]sonal id5tification numb] or password 
provid$ by ! consum] report+ ag5cy      
pursuant to p>agraph 7#b77;,c72 &  7,c7 
! requir$ fee1 if applicable4  7#f7     
,exceptions ,a security freeze %all n   
apply to ! mak+ ( a consum] report = use
 by ! foll[+3  7,a7 ,a p]son or entity1 
or a subsidi>y1 affiliate1 or ag5t ( t  
p]son or entity1 or an assignee ( a     
f9ancial obligation ow$ by ! consum] to 
t p]son or entity1 or a prospective     
assignee ( a f9ancial obligation ow$ by 

! consum] to t p]son or entity 9        
conjunction ) ! propos$ pur*ase ( !     
f9ancial obligation1 ) :i* ! consum] has
 or _h prior to assignm5t an acc\nt or  
contract includ+ a dem& deposit acc\nt1 
or to :om ! consum] issu$ a negotiable  
in/rum5t1 = ! purposes ( review+ !      
acc\nt or collect+ ! f9ancial obligation
 ow$ = ! acc\nt1 contract1 or negotiable
 in/rum5t4 ,= purposes ( ?is            
subp>agraph1 review+ ! acc\nt includes  
activities relat$ to acc\nt ma9t5ance1  
monitor+1 cr$it l9e increases1 & acc\nt 
upgrades & enhancem5ts4  7,b7 ,a        
subsidi>y1 affiliate1 ag5t1 assignee1 or
 prospective assignee ( a p]son to :om  
access has be5 grant$ = purposes (      
facilitat+ ! ext5sion ( cr$it or o!r    
p]missible use4  7,c7 ,any ,f$]al1 ,/ate
 or local ag5cy1 law en=cem5t ag5cy1    
trial c\rt1 or private collection ag5cy 
act+ pursuant to a c\rt ord]1 w>rant1 or
 subpo5a4  7,d7 ,a *ild support ag5cy   
act+ pursuant to "p ,d ( title ,,iv ( ! 
,social ,security ,act4  7,e7 ,a ,/ate  

or its ag5ts or assigns act+ to         
inve/igate fraud or act+ to inve/igate  
or collect del9qu5t taxes or unpaid c\rt
 ord]s or to fulfill any ( its o!r      
/atutory responsibilities1 provid$ su*  
responsibilities are consi/5t ) a       
p]missible purpose "u section #fjd4     
7,f7 ,a p]son us+ cr$it in=mation = !   
purposes describ$ "u section #fjd7;c74  
7,g7 ,any p]son or entity adm9i/]+ a    
cr$it file monitor+ subscription or     
simil> s]vice to :i* ! consum] has      
subscrib$4  7,h7 ,any p]son or entity = 
! purpose ( provid+ a consum] ) a copy (
 ! consum]'s consum] report or cr$it    
score1 ^u ! reque/ ( ! consum]4  7,i7   
,any p]son us+ ! in=mation 9 connection 
) ! und]writ+ ( insurance4  7,j7 ,any   
p]son us+ ! in=mation = employm5t1      
t5ant1 or backgr\nd scre5+ purposes4    
7#g7 ,fees  7,a7 ,9 g5]al ,a consum]    
report+ ag5cy may *>ge a fee ( no m ?an 
#e to a consum] = ea* security freeze1  
removal ( a security freeze1 or tempor>y
 lift+ ( a security freeze4  7,b7       

,exception ,a consum] report+ ag5cy %all
 n *>ge any fee describ$ "u subp>agraph 
7,a7 to-- 7i7 a victim ( id5tity !ft :o 
has submitt$1 at ! "t ! security freeze 
is reque/$1 a copy ( a valid            
inve/igative or incid5t report or       
compla9t ) a law en=cem5t ag5cy ab\t !  
unlawful use ( ! victim's id5tify+      
in=mation by ano!r p]son2  7ii7 except z
 provid$ 9 subsection 7j71 a consum] :o 
is a m9or or #fe ye>s ( age or old] = ! 
initial placem5t & removal ( a security 
freeze2 or  7iii7 a consum] :o has      
submitt$ a copy ( ! consum]'s ord]s     
call+ ! s]vice memb] to milit>y s]vice &
 any ord]s fur!r ext5d+ ! s]vice memb]'s
 p]iod ( s]vice if curr5tly active4     
7#h7 ,modification ( (ficial in=mation  
7,a7 ,9 g5]al ,if a security freeze is 9
 place1 a consum] report+ ag5cy %all n  
*ange any ( ! foll[+ (ficial in=mation 9
 ! file ( a consum] )\t s5d+            
confirmation ( ! *ange to ! consum] )9  
#cj days ( ! *ange be+ po/$ to ! file ( 
! consum]3  7i7 ,"n4  7ii7 ,date ( bir?4

  7iii7 ,social ,security numb]4  7iv7  
,address4  7,b7 ,exception = te*nical   
modifications ,subp>agraph 7,a7 %all n  
apply to te*nical modifications (       
(ficial in=mation ( a consum]1 includ+  
"n & /reet abbreviations1 complete      
spell+s1 or transposition ( numb]s or   
lett]s4  7,c7 ,address *anges ,9 ! case 
( an address *ange1 ! confirmation      
describ$ "u subp>agraph 7,a7 %all be s5t
 to bo? ! new address & to ! =m]        
address4  7#i7 ,notice ( rights ,at any 
"t a consum] is requir$ to receive a    
summ>y ( rights requir$ "u section #fji1
 ! foll[+ notice %all be includ$3       
,consum]s ,h ! ,"r ,to ,obta9 a         
,security ,freeze--,y h a "r to place a 
security freeze on y\r cr$it report1 :i*
 w prohibit a consum] report+ ag5cy f   
releas+ in=mation 9 y\r cr$it report )\t
 y\r express au?orization4 ,! security  
freeze is design$ to prev5t cr$it1      
loans1 & s]vices f be+ approv$ 9 y\r "n 
)\t y\r cons5t4 ,h[ev]1 y %\ld be aw>e t
 us+ a security freeze to take control  

ov] :o gets access to ! p]sonal &       
f9ancial in=mation 9 y\r cr$it report   
may delay1 int]f]e )1 or prohibit !     
timely approval ( any subsequ5t reque/  
or application y make reg>d+ a new loan1
 cr$it1 mortgage1 gov]nm5t s]vices or   
paym5ts1 r5tal h\s+1 employm5t1         
inve/m5t1 lic5se1 cellul> phone1        
utilities1 digital signature1 int]net   
cr$it c>d transaction1 or o!r s]vices1  
includ+ an ext5sion ( cr$it at po9t (   
sale4 ,:5 y place a security freeze on  
y\r cr$it report1 y w be provid$ a      
p]sonal id5tification numb] or password 
to use if y *oose to remove ! security  
freeze on y\r cr$it report or au?orize !
 release ( y\r cr$it report to a        
p>ticul> entity or = a p]iod ( "t aft] !
 freeze is 9 place4 ,to provide t       
au?orization y mu/ contact ! consum]    
report+ ag5cy by "o ( ! me?ods t x      
requires1 & provide all ( ! foll[+3     
7#a7 ,! p]sonal id5tification numb] or  
password4  7#b7 ,prop] id5tification to 
v]ify y\r id5tity4  7#c7 ,! applicable  

in=mation reg>d+ ! entity or "t p]iod ) 
respect to :i* ! consum] wi%es !        
security freeze to be lift$4  7#d7 ,!   
paym5t ( ! appropriate fee1 if          
applicable4  ,a consum] report+ ag5cy   
mu/ au?orize ! release ( y\r cr$it      
report no lat] ?an #c bus9ess days aft] 
receiv+ all ( ! above items by any me?od
 t ! consum] report+ ag5cy all[s4  ,a   
security freeze does n apply to a p]son 
or entity1 or its affiliates1 or        
collection ag5cies act+ on behalf ( !   
p]son or entity1 ) :i* y h an exi/+     
acc\nt t reque/s in=mation 9 y\r cr$it  
report = ! purposes ( review+ or        
collect+ ! acc\nt4 ,review+ ! acc\nt    
includes activities relat$ to acc\nt    
ma9t5ance1 monitor+1 cr$it l9e          
increases1 & acc\nt upgrades &          
enhancem5ts4  ,y h a "r to br+ a civil  
action aga9/ anyone1 includ+ a consum]  
report+ ag5cy1 :o willfully or          
neglig5tly fails to comply ) ! ,f$]al   
law on security freezes 7section #fje;,c
 ( ! ,fair ,cr$it ,report+ ,act74  ,a   

consum] report+ ag5cy has ! "r to *>ge y
 up to ,five ,doll>s 7#e4jj7 to place a 
security freeze1 up to ,five ,doll>s    
7#e4jj7 to tempor>ily lift a security   
freeze1 & up to ,five ,doll>s 7#e4jj7 to
 remove a security freeze4 ,h[ev]1 y    
%all n be *>g$ any fee if y are a victim
 ( id5tity !ft :o has submitt$1 at ! "t 
! security freeze is reque/$1 a copy ( a
 valid inve/igative or incid5t report or
 compla9t ) a law en=cem5t ag5cy ab\t ! 
unlawful use ( y\r id5tify+ in=mation by
 ano!r p]son1 or if y are a m9or or     
sixty-five 7#fe7 ye>s ( age or old] = ! 
initial placem5t & removal ( a security 
freeze4  4  7j7 ,national protections = 
files & cr$it records ( protect$        
consum]s  7#a7 ,def9itions ,z us$ 9 ?is 
subsection3 7,a7 ,! t]m consum] report+ 
ag5cy means a consum] report+ ag5cy t   
compiles & ma9ta9s files on consum]s on 
a nationwide basis4  7,b7 ,! t]m        
protect$ consum] means an individual :o 
is-- 7i7 "u ! age ( #af ye>s at ! "t a  
reque/ = ! placem5t ( a security freeze 

is made2 or  7ii7 an incapacitat$ p]son 
or a protect$ p]son = :om a gu>dian or  
cons]vator has be5 appo9t$4  7,c7 ,! t]m
 record means a compilation ( in=mation 
t-- 7i7 id5tifies a protect$ consum]2   
7ii7 is creat$ by a consum] report+     
ag5cy solely = ! purpose ( comply+ ) ?is
 subsection2 &  7iii7 may n be creat$ or
 us$ to consid] ! protect$ consum]'s    
cr$it wor?9ess1 cr$it /&+1 cr$it        
capacity1 "*1 g5]al reputation1 p]sonal 
*>act]i/ics1 or mode ( liv+4  7,d7 ,!   
t]m repres5tative means a p]son :o      
provides to a consum] report+ ag5cy     
suffici5t pro( ( au?ority to act on     
behalf ( a protect$ consum]4  7,e7 ,!   
t]m security freeze means-- 7i7 if a    
consum] report+ ag5cy does n h a file   
p]ta9+ to a protect$ consum]1 a         
re/riction t--  7,i7 is plac$ on !      
protect$ consum]'s record 9 accordance )
 ?is subsection2 &  7,,ii7 prohibits !  
consum] report+ ag5cy f releas+ !       
protect$ consum]'s record except z      
provid$ 9 ?is subsection2 or  7ii7 if a 

consum] report+ ag5cy has a file p]ta9+ 
to ! protect$ consum]1 a re/riction t-- 
7,i7 is plac$ on ! protect$ consum]'s   
consum] report 9 accordance ) ?is       
subsection2 &  7,,ii7 prohibits !       
consum] report+ ag5cy f releas+ !       
protect$ consum]'s consum] report except
 z provid$ 9 ?is subsection4  7,f7 ,!   
t]m suffici5t pro( ( au?ority means     
docum5tation t %[s a repres5tative has  
au?ority to act on behalf ( a protect$  
consum] & includes--  7i7 an ord] issu$ 
by a c\rt ( law2  7ii7 a lawfully       
execut$ & valid p[] ( attorney2 or      
7iii7 a writt51 not>iz$ /atem5t sign$ by
 a repres5tative t expressly describes !
 au?ority ( ! repres5tative to act on   
behalf ( a protect$ consum]4  7,g7 ,!   
t]m suffici5t pro( ( id5tification means
 in=mation or docum5tation t id5tifies a
 protect$ consum] or a repres5tative ( a
 protect$ consum] & includes--  7i7 a   
,social ,security numb] or a copy ( a   
,social ,security c>d issu$ by ! ,social
 ,security ,adm9i/ration2  7ii7 a       

c]tifi$ or (ficial copy ( a bir?        
c]tificate issu$ by ! entity au?oriz$ to
 issue ! bir? c]tificate2 or  7iii7 a   
copy ( a driv]'s lic5se1 an             
id5tification c>d issu$ by ! motor      
vehicle adm9i/ration1 or any o!r        
gov]nm5t issu$ id5tification4  7#b7     
,exceptions ,?is subsection %all n apply
 to ! mak+ ( a consum] report = use by !
 foll[+3 7,a7 ,a p]son or entity1 or a  
subsidi>y1 affiliate1 or ag5t ( t p]son 
or entity1 or an assignee ( a f9ancial  
obligation ow$ by ! consum] to t p]son  
or entity1 or a prospective assignee ( a
 f9ancial obligation ow$ by ! consum] to
 t p]son or entity 9 conjunction ) !    
propos$ pur*ase ( ! f9ancial obligation1
 ) :i* ! consum] has or _h prior to     
assignm5t an acc\nt or contract includ+ 
a dem& deposit acc\nt1 or to :om !      
consum] issu$ a negotiable in/rum5t1 = !
 purposes ( review+ ! acc\nt or collect+
 ! f9ancial obligation ow$ = ! acc\nt1  
contract1 or negotiable in/rum5t4 ,=    
purposes ( ?is subp>agraph1 review+ !   

acc\nt includes activities relat$ to    
acc\nt ma9t5ance1 monitor+1 cr$it l9e   
increases1 & acc\nt upgrades &          
enhancem5ts4  7,b7 ,a subsidi>y1        
affiliate1 ag5t1 assignee1 or           
prospective assignee ( a p]son to :om   
access has be5 grant$ = purposes (      
facilitat+ ! ext5sion ( cr$it or o!r    
p]missible use4  7,c7 ,any ,f$]al1 ,/ate
 or local ag5cy1 law en=cem5t ag5cy1    
trial c\rt1 or private collection ag5cy 
act+ pursuant to a c\rt ord]1 w>rant1 or
 subpo5a4  7,d7 ,a *ild support ag5cy   
act+ pursuant to "p ,d ( title ,,iv ( ! 
,social ,security ,act4  7,e7 ,! ,/ate  
or its ag5ts or assigns act+ to         
inve/igate fraud or act+ to inve/igate  
or collect del9qu5t taxes or unpaid c\rt
 ord]s or to fulfill any ( its o!r      
/atutory responsibilities1 provid$ su*  
responsibilities are consi/5t ) a       
p]missible purpose "u section #fjd4     
7,f7 ,a p]son us+ cr$it in=mation = !   
purposes describ$ "u section #fjd7;c74  
7,g7 ,any p]son or entity adm9i/]+ a    

cr$it file monitor+ subscription or     
simil> s]vice to :i* ! consum] has      
subscrib$4  7,h7 ,any p]son or entity = 
! purpose ( provid+ a consum] ) a copy (
 ! consum]'s consum] report or cr$it    
score1 ^u ! reque/ ( ! consum]4  7,i7   
,any p]son us+ ! in=mation 9 connection 
) ! und]writ+ ( insurance4  7,j7 ,any   
p]son us+ ! in=mation = employm5t1 t5ant
 or backgr\nd scre5+ purposes4  7#c7    
,plac+ a freeze = a protect$ consum]    
7,a7 ,9 g5]al ,a consum] report+ ag5cy  
%all place a security freeze = a        
protect$ consum] if-- 7i7 ! consum]     
report+ ag5cy receives a reque/ f !     
protect$ consum]'s repres5tative = !    
placem5t ( ! security freeze "u ?is     
subsection2 &  7ii7 ! protect$ consum]'s
 repres5tative-- 7,i7 submits ! reque/  
to ! consum] report+ ag5cy at ! address 
or o!r po9t ( contact & 9 ! mann]       
specifi$ by ! consum] report+ ag5cy2    
7,,ii7 provides to ! consum] report+    
ag5cy suffici5t pro( ( id5tification ( !
 protect$ consum] & ! repres5tative2    

7,,iii7 provides to ! consum] report+   
ag5cy suffici5t pro( ( au?ority to act  
on behalf ( ! protect$ consum]2 &       
7,,iv7 pays to ! consum] report+ ag5cy a
 fee z provid$ "u ?is subsection2  7,b7 
,creation ( file ,if a consum] report+  
ag5cy does n h a file p]ta9+ to a       
protect$ consum] :5 ! consum] report+   
ag5cy receives a reque/ "u subp>agraph  
7,a71 ! consum] report+ ag5cy %all      
create a cr$it record = ! protect$      
consum]4  7,c7 ,placem5t ( security     
freeze ,)9 #c days aft] receiv+ a reque/
 describ$ "u subp>agraph 7,a71 a consum]
 report+ ag5cy %all place a security    
freeze = ! protect$ consum]4  7#d7      
,prohibition on release ( record or file
 ( protect$ consum] ,unless a security  
freeze = a protect$ consum] is remov$ 9 
accordance ) ?is subsection1 a consum]  
report+ ag5cy may n release ! protect$  
consum]'s consum] report1 any in=mation 
d]iv$ f ! protect$ consum]'s consum]    
report1 or any record creat$ = !        
protect$ consum]4  7#e7 ,timel9e = a    

freeze = a protect$ consum] ,a security 
freeze = a protect$ consum] plac$ "u ?is
 subsection %all rema9 9 effect until-- 
7,a7 ! protect$ consum] or ! protect$   
consum]'s repres5tative reque/s !       
consum] report+ ag5cy to remove !       
security freeze 9 accordance ) p>agraph 
7#f72 or  7,b7 ! security freeze is     
remov$ 9 accordance ) p>agraph 7#i74    
7#f7 ,removal ( a protect$ consum]      
security freeze ,if a protect$ consum]  
or a protect$ consum]'s repres5tative   
wi%es to remove a security freeze = !   
protect$ consum]1 ! protect$ consum] or 
! protect$ consum]'s repres5tative      
%all--  7,a7 submit a reque/ = ! removal
 ( ! security freeze to ! consum]       
report+ ag5cy at ! address or o!r po9t (
 contact & 9 ! mann] specifi$ by !      
consum] report+ ag5cy2  7,b7 provide to 
! consum] report+ ag5cy-- 7i7 9 ! case (
 a reque/ by ! protect$ consum]--  7,i7 
pro( t ! suffici5t pro( ( au?ority = !  
protect$ consum]'s repres5tative to act 
on behalf ( ! protect$ consum] is no    

long] valid2 &  7,,ii7 suffici5t pro( ( 
id5tification ( ! protect$ consum]2 or  
7ii7 9 ! case ( a reque/ by !           
repres5tative ( a protect$ consum]--    
7,i7 suffici5t pro( ( id5tification ( ! 
protect$ consum] & ! repres5tative2 &   
7,,ii7 suffici5t pro( ( au?ority to act 
on behalf ( ! protect$ consum]2 &  7iii7
 pay to ! consum] report+ ag5cy a fee1  
if applicable1 z provid$ 9 p>agraph     
7#h74  7#g7 ,tim+ ( removal ( a protect$
 consum] freeze ,)9 #c days aft] receiv+
 a reque/ describ$ "u p>agraph 7#f71 !  
consum] report+ ag5cy %all remove !     
security freeze = ! protect$ consum]4   
7#h7 ,fees = a protect$ consum] freeze  
7,a7 ,9 g5]al ,except z provid$ 9       
subp>agraph 7,b71 a consum] report+     
ag5cy may n *>ge a fee = any s]vice     
p]=m$ "u ?is subsection4  7,b7          
,reasonable fee p]mitt$ ,a consum]      
report+ ag5cy may *>ge a reasonable fee1
 n exce$+ #e1 = ea* placem5t or removal 
( a security freeze = a protect$        
consum]4  7,c7 ,exceptions ,not)/&+     

subp>agraph 7,b71 a consum] report+     
ag5cy may n *>ge any fee "u ?is         
subsection if--  7i7 ! protect$         
consum]'s repres5tative has obta9$ a    
police report or affidavit ( alleg$     
id5tity fraud aga9/ ! protect$ consum] &
 provides a copy ( ! report to ! consum]
 report+ ag5cy2 or  7ii7 a reque/ = !   
placem5t or removal ( a security freeze 
is = a protect$ consum] :o is "u ! age (
 sixte5 ye>s ( age at ! "t ( ! reque/ & 
! consum] report+ ag5cy has a consum]   
report p]ta9+ to ! protect$ consum]4    
7#i7 ,deletion ( file or record creat$  
bas$ on a mat]ial misrepres5tation ,a   
consum] report+ ag5cy may remove a      
security freeze = a protect$ consum] or 
delete a record ( a protect$ consum] if 
! security freeze 0 plac$ or ! record 0 
creat$ bas$ on a mat]ial                
misrepres5tation ( fact by ! protect$   
consum] or ! protect$ consum]'s         
repres5tative4  4  ,,ii ,cr$it rat+     
ag5cy use ( social security numb]s      
#bja4 ,prohibition on ! use ( social    

security numb]s  7a7 ,9 g5]al ,section  
#fje ( ! ,fair ,cr$it ,report+ ,act 7#ae
 ,u4,s4,c4 #afha;c71 z am5d$ by title   
,,ii1 is am5d$ by add+ at ! end !       
foll[+3  7k7 ,prohibition on ! use (    
social security numb]s ,a consum]       
report+ ag5cy t compiles & ma9ta9s files
 on consum]s on a nationwide basis--    
7#a7 may n make any consum] report      
conta9+ a ,social ,security numb]2 &    
7#b7 may n use ! ,social ,security numb]
 ( a consum] z a me?od to id5tify !     
consum]1 or = any o!r purpose4  4  7b7  
,con=m+ am5dm5t ,section #fji7;a77#a7 ( 
! ,fair ,cr$it ,report+ ,act 7#ae       
,u4,s4,c4 #afha;g7a77#a77 is am5d$ by   
/rik+ except t-- & all t foll[s ?r\gh   
7,b7 no?+ & ins]t+ except t no?+4  7c7  
,effective date ,! am5dm5ts made by ?is 
section %all take effect on ,janu>y #a1 
#bjbj4