Currently, consumers may request that a consumer credit reporting agency put a security freeze on their credit report. Under this act, the freeze shall remain in effect until a request is made by the consumer to remove the freeze in a manner set forth in this act. Further, any time that a consumer receives a notice of a breach of security, this act requires that the notice include certain information as set forth in this act.

Under this act, a consumer credit reporting agency is required to place a protected consumer security freeze on a protected consumer's credit report within 30 days of certain actions occurring. Under this act, a "protected consumer" is defined as an incapacitated person, a protected person for whom a guardian, guardian ad litem, or conservator has been appointed, a person under age 16, or a person receiving guardianship or adopted services. This act also requires consumer credit reporting agencies to take certain actions when their has been a security freeze placed on a protected person, including creating a protected consumer's file that prohibits the release of such file if such agency does not have a credit report pertaining to the person, or placing a restriction on the person's credit report if the agency has a credit report pertaining to the protected consumer. The security freeze placed on a protected consumer shall remain in effect until certain actions occur as set forth in this act. The provisions of this act relating to protected persons shall not apply to the use of consumer credit report by certain entities set forth in this act, and certain persons are not required to place a security freeze on a credit report for such person under this act.

KAYLA HAHN