,,ii  #aaith ,,congress  #ast ,session  
,s4 #fai  ,,in ,,the ,,senate ,,of ,,the
 ,,united ,,states  ,february #ah1      
#bjbe,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 ,kids ,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 which  
shall include sufficient proof of       
identification1 sufficient proof of     

authority1 and all other necessary      
documentation1 the following shall      
apply3 7i7 ,the consumer reporting      
agency shall1 free of charge-- 7,i7 in  
the case of a request that is by        
toll-free telephone1 secure electronic  
means1 or mail1 place the security      
freeze not later than #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 ,a consumer
 reporting agency receiving a           
notification submitted under clause     
7i77,,ii7 shall place the requested     
freeze not later than #c business days  
after receiving that notification4  4   
7b7 ,effective date ,the amendments made
 by subsection 7a7 shall take effect on 
the date that is #ah months after the   
date of enactment of this ,act4