,,ii  #aah? ,,congress  #b;d ,session   
,s4 #diaf  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #ca1 #bjbd,ms4   
,hassan 7= h]self & ,mr4 ,cornyn7       
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$it ,report+
 ,act to address ! placem5t ( security  
freezes = protect$ consum]s1 & = o!r    
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,cr$it ,freeze = ,newborns 
,act4  #b4 ,security freezes = protect$ 
consum]s  7a7 ,9 g5]al ,section         
#fje;,a7j77#b77;,a7 ( ! ,fair ,cr$it    
,report+ ,act 7#ae ,u4,s4,c4            
#afha;c-#a7;j77#b77;,a77 is am5d$ to    
read z foll[s3  7,a7 ,9 g5]al ,^u       
receiv+ a direct reque/ f a protect$    
consum]'s repres5tative t a consum]     
report+ ag5cy place a security freeze1 &
 ^u receiv+ suffici5t pro( (            
id5tification & suffici5t pro( (        
au?ority1 ! foll[+ %all apply3 7i7 ,!   
consum] report+ ag5cy %all1 free (      

*>ge-- 7,i7 place ! security freeze n   
lat] ?an-- 7aa7 9 ! case ( a reque/ t is
 by toll-free telephone or secure       
electronic means1 #a bus9ess day aft]   
receiv+ ! reque/ directly f ! protect$  
consum]'s repres5tative2 or  7bb7 9 !   
case ( a reque/ t is by mail1 #c bus9ess
 days aft] receiv+ ! reque/ directly f !
 protect$ consum]'s repres5tative2 &    
7,,ii7 n lat] ?an #c bus9ess days aft]  
receiv+ ! reque/ directly f ! protect$  
consum]'s repres5tative1 notify ea* o!r 
consum] report+ ag5cy reg>d+ ! reque/4  
7ii7 ,^u be+ notifi$ "u subclause 7,,ii7
 ( clause 7i7 reg>d+ ! reque/1 ! consum]
 report+ ag5cy receiv+ ! notification   
%all place ! reque/$ freeze 9 accordance
 ) ! requirem5ts "u items 7aa7 & 7bb7 ( 
subclause 7,i7 ( t clause4  4  7b7      
,requir+ ! ,social ,security            
,adm9i/ration ,to include in=mation on  
plac+ a security freeze = a protect$    
consum] "u #af ye>s ( age ) issuance (  
social security numb] or replacem5t     
social security c>d  7#a7 ,9 g5]al      

,section #bje7;c77#b7 ( ! ,social       
,security ,act 7#db ,u4,s4,c4           
#dje7;c77#b77 is am5d$ by add+ at ! end 
! foll[+ new subp>agraph3  7,i7 7i7 ,9  
?is subp>agraph1 ! t]ms protect$        
consum]1 protect$ consum]'s             
repres5tative1 & security freeze h !    
mean+s giv5 ^? t]ms 9 section #fje;,a7j7
 ( ! ,fair ,cr$it ,report+ ,act 7#ae    
,u4,s4,c4 #afha;c-#a7;j774  7ii7 ,:5ev] 
! ,commission] ( ,social ,security      
issues a social security acc\nt numb] or
 a replacem5t social security c>d to a  
protect$ consum] :o is "u #af ye>s (    
age1 ! ,commission] %all include1 ) !   
social security c>d & any o!r in=mation 
provid$ to ! individual at ! "t su*     
social security acc\nt numb] or         
replacem5t c>d is issu$1 in=mation on h[
 ! protect$ consum]'s repres5tative may 
submit a reque/ = a security freeze on  
behalf ( ! protect$ consum] "u section  
#fje;,a7j7 ( ! ,fair ,cr$it ,report+    
,act 7#ae ,u4,s4,c4 #afha;c-#a7;j774  4 
7#b7 ,effective date ,! am5dm5t made by 

?is subsection %all take effect on !    
date t is #ab mon?s aft] ! date (       
enactm5t ( ?is ,act4