,,ii  #aai? ,,congress  #a/ ,session    
,s4 #fai  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,febru>y #ah1 #bjbe,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$it ,freeze = ,kids     
,act4  #b4 ,security freezes = protect$ 
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  
:i* %all include suffici5t pro( (       
id5tification1 suffici5t pro( (         
au?ority1 & all o!r necess>y            
docum5tation1 ! foll[+ %all apply3 7i7  

,! consum] report+ ag5cy %all1 free (   
*>ge-- 7,i7 9 ! case ( a reque/ t is by 
toll-free telephone1 secure electronic  
means1 or mail1 place ! security freeze 
n lat] ?an #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 ,a 
consum] report+ ag5cy receiv+ a         
notification submitt$ "u clause         
7i77,,ii7 %all place ! reque/$ freeze n 
lat] ?an #c bus9ess days aft] receiv+ t 
notification4  4  7b7 ,effective date ,!
 am5dm5ts made by subsection 7a7 %all   
take effect on ! date t is #ah mon?s    
aft] ! date ( enactm5t ( ?is ,act4