Credit Freeze for Kids Act

Section 605A(j)(2)(A) of the Fair Credit Reporting Act (15 U.S.C. 1681c–1(j)(2)(A)) is amended to read as follows:

Upon receiving a direct request from a protected consumer’s representative that a consumer reporting agency place a security freeze, which shall include sufficient proof of identification, sufficient proof of authority, and all other necessary documentation, the following shall apply:

(i) The consumer reporting agency shall, free of charge—

(I) in the case of a request that is by toll-free telephone, secure electronic means, or mail, place the security freeze not later than 3 business days after receiving the request directly from the protected consumer’s representative; and

(II) not later than 3 business days after receiving the request directly from the protected consumer’s representative, notify each other consumer reporting agency regarding the request.

(ii) A consumer reporting agency receiving a notification submitted under clause (i)(II) shall place the requested freeze not later than 3 business days after receiving that notification.

The amendments made by subsection (a) shall take effect on the date that is 18 months after the date of enactment of this Act.