II 

118TH CONGRESS 

2D SESSION S. 4916 

To amend the Fair Credit Reporting Act to address the placement of security 

freezes for protected consumers, and for other purposes. 

IN THE SENATE OF THE UNITED STATES 

JULY 31, 2024 

Ms. HASSAN (for herself and Mr. CORNYN) introduced the following bill; which 

was read twice and referred to the Committee on Banking, Housing, and 

Urban Affairs 

A BILL 

To amend the Fair Credit Reporting Act to address the 

placement of security freezes for protected consumers, 

and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Credit Freeze for 

5 Newborns Act’’. 

6 SEC. 2. SECURITY FREEZES FOR PROTECTED CONSUMERS. 

7 (a) IN GENERAL.—Section 605A(j)(2)(A) of the Fair 

8 Credit Reporting Act (15 U.S.C. 1681c–1(j)(2)(A)) is 

9 amended to read as follows: 


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1 ‘‘(A) IN GENERAL.—Upon receiving a di2 rect request from a protected consumer’s rep3 resentative that a consumer reporting agency 

4 place a security freeze, and upon receiving suffi5 cient proof of identification and sufficient proof 

6 of authority, the following shall apply: 

7 ‘‘(i) The consumer reporting agency 

8 shall, free of charge— 

9 ‘‘(I) place the security freeze not 

10 later than— 

11 ‘‘(aa) in the case of a re12 quest that is by toll-free tele13 phone or secure electronic means, 

14 1 business day after receiving the 

15 request directly from the pro16 tected consumer’s representative; 

17 or 

18 ‘‘(bb) in the case of a re19 quest that is by mail, 3 business 

20 days after receiving the request 

21 directly from the protected con22 sumer’s representative; and 

23 ‘‘(II) not later than 3 business 

24 days after receiving the request di25 rectly from the protected consumer’s 


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1 representative, notify each other con2 sumer reporting agency regarding the 

3 request. 

4 ‘‘(ii) Upon being notified under sub5 clause (II) of clause (i) regarding the re6 quest, the consumer reporting agency re7 ceiving the notification shall place the re8 quested freeze in accordance with the re9 quirements under items (aa) and (bb) of 

10 subclause (I) of that clause.’’. 

11 (b) REQUIRING THE SOCIAL SECURITY ADMINISTRA12 TION TO INCLUDE INFORMATION ON PLACING A SECU13 RITY FREEZE FOR A PROTECTED CONSUMER UNDER 16 

14 YEARS OF AGE WITH ISSUANCE OF SOCIAL SECURITY

15 NUMBER OR REPLACEMENT SOCIAL SECURITY CARD.— 

16 (1) IN GENERAL.—Section 205(c)(2) of the So17 cial Security Act (42 U.S.C. 405(c)(2)) is amended 

18 by adding at the end the following new subpara19 graph: 

20 ‘‘(I)(i) In this subparagraph, the terms ‘protected 

21 consumer’, ‘protected consumer’s representative’, and ‘se22 curity freeze’ have the meanings given those terms in sec23 tion 605A(j) of the Fair Credit Reporting Act (15 U.S.C. 

24 1681c–1(j)). 


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1 ‘‘(ii) Whenever the Commissioner of Social Security 

2 issues a social security account number or a replacement 

3 social security card to a protected consumer who is under 

4 16 years of age, the Commissioner shall include, with the 

5 social security card and any other information provided 

6 to the individual at the time such social security account 

7 number or replacement card is issued, information on how 

8 the protected consumer’s representative may submit a re9 quest for a security freeze on behalf of the protected con10 sumer under section 605A(j) of the Fair Credit Reporting 

11 Act (15 U.S.C. 1681c–1(j)).’’. 

12 (2) EFFECTIVE DATE.—The amendment made 

13 by this subsection shall take effect on the date that 

14 is 12 months after the date of enactment of this Act. 

Æ 


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