,,ii  #aahth ,,congress  #b;d ,session  
,s4 #diaf  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,july #ca1     
#bjbd,ms4 ,hassan 7for herself and ,mr4 
,cornyn7 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    
address the placement of security       
freezes for protected consumers1 and for
 other purposes4  #a4 ,short title ,this
 ,act may be cited as the ,credit       
,freeze for ,newborns ,act4  #b4        
,security freezes for protected         
consumers  7a7 ,in general ,section     
#fje;,a7j77#b77;,a7 of the ,fair ,credit
 ,reporting ,act 7#ae ,u4,s4,c4         
#afha;c-#a7;j77#b77;,a77 is amended to  
read as follows3  7,a7 ,in general ,upon
 receiving a direct request from a      
protected consumer's representative that
 a consumer reporting agency place a    
security freeze1 and upon receiving     
sufficient proof of identification and  

sufficient proof of authority1 the      
following shall apply3 7i7 ,the consumer
 reporting agency shall1 free of        
charge-- 7,i7 place the security freeze 
not later than-- 7aa7 in the case of a  
request that is by toll-free telephone  
or secure electronic means1 #a business 
day after receiving the request directly
 from the protected consumer's          
representative2 or  7bb7 in the case of 
a request that is by mail1 #c business  
days after receiving the request        
directly from the protected consumer's  
representative2 and  7,,ii7 not later   
than #c business days after receiving   
the request directly from the protected 
consumer's representative1 notify each  
other consumer reporting agency         
regarding the request4  7ii7 ,upon being
 notified under subclause 7,,ii7 of     
clause 7i7 regarding the request1 the   
consumer reporting agency receiving the 
notification shall place the requested  
freeze in accordance with the           
requirements under items 7aa7 and 7bb7  

of subclause 7,i7 of that clause4  4    
7b7 ,requiring the ,social ,security    
,administration ,to include information 
on placing a security freeze for a      
protected consumer under #af years of   
age with issuance of social security    
number or replacement social security   
card  7#a7 ,in general ,section         
#bje7;c77#b7 of the ,social ,security   
,act 7#db ,u4,s4,c4 #dje7;c77#b77 is    
amended by adding at the end the        
following new subparagraph3  7,i7 7i7   
,in this subparagraph1 the terms        
protected consumer1 protected consumer's
 representative1 and security freeze    
have the meanings given those terms in  
section #fje;,a7j7 of the ,fair ,credit 
,reporting ,act 7#ae ,u4,s4,c4          
#afha;c-#a7;j774  7ii7 ,whenever the    
,commissioner of ,social ,security      
issues a social security account number 
or a replacement social security card to
 a protected consumer who is under #af  
years of age1 the ,commissioner shall   
include1 with the social security card  

and any other information provided to   
the individual at the time such social  
security account number or replacement  
card is issued1 information on how the  
protected consumer's representative may 
submit a request for a security freeze  
on behalf of the protected consumer     
under section #fje;,a7j7 of the ,fair   
,credit ,reporting ,act 7#ae ,u4,s4,c4  
#afha;c-#a7;j774  4  7#b7 ,effective    
date ,the amendment made by this        
subsection shall take effect on the date
 that is #ab months after the date of   
enactment of this ,act4