ticipation in credit restoration or rehabilitation 
under section 605C, 605D, or 605E,’’ after 
‘‘identity theft,’’; and 
(B) by inserting ‘‘or security freezes’’ after 
‘‘request alerts’’; 
(8) in subsection (h)— 
(A) in paragraph (1)— 
(i) in the paragraph heading, by strik-
ing ‘‘INITIAL’’ and inserting ‘‘1-YEAR’’; and 
(ii) by striking ‘‘initial’’ and inserting 
‘‘1-year’’ each place such term appears; 
and 
(B) in paragraph (2)— 
(i) in the paragraph heading, by strik-
ing ‘‘EXTENDED’’ and inserting ‘‘7-YEAR’’; 
and 
(ii) by striking ‘‘extended’’ and insert-
ing ‘‘7-year’’ each place such term appears; 
and 
(9) in subsection (i)(4)— 
(A) by striking subparagraphs (E) and (I); 
and 
(B) by redesignating subparagraphs (F), 
(G), (H), and (J) as subparagraphs (E), (F), 
(G), and (H), respectively. 
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SEC. 204. AMENDMENT TO SECURITY FREEZES FOR CON-
SUMER REPORTS. 
(a) IN GENERAL.—Section 605A(i) of the Fair Credit 
Reporting Act (15 U.S.C. 1681c–1(i)) is amended— 
(1) by amending the subsection heading to read 
as follows: ‘‘SECURITY FREEZES
FOR CONSUMER 
REPORTS’’; 
(2) in paragraph (3)(E), by striking ‘‘Upon re-
ceiving’’ and all that follows through ‘‘subparagraph 
(C),’’ and inserting ‘‘Upon receiving a direct request 
from a consumer for a temporary removal of a secu-
rity freeze, a consumer reporting agency shall’’; and 
(3) by adding at the end the following: 
‘‘(7) RELATION
TO
STATE
LAW.—This sub-
section does not modify or supersede the laws of any 
State relating to security freezes or other similar ac-
tions, except to the extent those laws are incon-
sistent with any provision of this title, and then only 
to the extent of the inconsistency. For purposes of 
this subsection, a term or provision of a State law 
is not inconsistent with the provisions of this sub-
section if the term or provision affords greater pro-
tection to the consumer than the protection provided 
under this subsection as determined by the Bu-
reau.’’. 
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(b) AMENDMENT TO WEBPAGE REQUIREMENTS.— 
Section 605A(i)(6)(A) of the Fair Credit Reporting Act 
(15 U.S.C. 1681c–1(i)(6)(A)) is amended— 
(1) in clause (ii), by striking ‘‘initial fraud 
alert’’ and inserting ‘‘1-year fraud alert’’; 
(2) in clause (iii), by striking ‘‘extended fraud 
alert’’ and inserting ‘‘7-year fraud alert’’; and 
(3) in clause (iv), by striking ‘‘fraud’’. 
(c) AMENDMENT
TO EXCEPTIONS
FOR CERTAIN 
PERSONS.—Section 605A(i)(4)(A) of the Consumer Cred-
it Protection Act (15 U.S.C. 1681c–1(i)(4)(A)) is amend-
ed to read as follows: 
‘‘(A) A person, or the person’s subsidiary, 
affiliate, agent, subcontractor, or assignee with 
whom the consumer has, or prior to assignment 
had, an authorized account, contract, or debtor- 
creditor relationship for the purposes of review-
ing the active account or collecting the financial 
obligation owed on the account, contract, or 
debt.’’. 
(d) EFFECTIVE DATE.—The amendments made by 
subsection (a) shall take effect on the date of the enact-
ment of this Act. 
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SEC. 205. CLARIFICATION OF INFORMATION TO BE IN-
CLUDED WITH AGENCY DISCLOSURES. 
Section 
609(c)(2) 
of 
such 
Act 
(15 
U.S.C. 
1681g(c)(2)) is amended— 
(1) in subparagraph (B)— 
(A) by striking ‘‘consumer reporting agen-
cy described in section 603(p)’’ and inserting 
‘‘consumer reporting agency described in sub-
section (p) or (x) of section 603’’; 
(B) by striking ‘‘the agency’’ and inserting 
‘‘such an agency’’; and 
(C) by inserting ‘‘and an Internet website 
address’’ after ‘‘hours’’; and 
(2) in subparagraph (E), by striking ‘‘outdated 
under section 605 or’’ and inserting ‘‘outdated, re-
quired to be removed, or’’. 
SEC. 206. PROVIDES ACCESS TO FRAUD RECORDS FOR VIC-
TIMS. 
Section 609(e) of the Fair Credit Reporting Act (15 
U.S.C. 1681g(e)) is amended— 
(1) in paragraph (1)— 
(A) by striking ‘‘resulting from identity 
theft’’; 
(B) by striking ‘‘claim of identity theft’’ 
and inserting ‘‘claim of fraudulent activity’’; 
and 
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(C) by striking ‘‘any transaction alleged to 
be a result of identity theft’’ and inserting ‘‘any 
fraudulent transaction’’; 
(2) in paragraph (2)(B)— 
(A) by striking ‘‘identity theft, at the elec-
tion of the business entity’’ and inserting 
‘‘fraudulent activity’’; 
(B) by amending clause (i) to read as fol-
lows: 
‘‘(i) a copy of an identity theft report; 
or’’; and 
(C) by amending clause (ii) to read as fol-
lows: 
‘‘(ii) an affidavit of fact that is ac-
ceptable to the business entity for that 
purpose.’’; 
(3) in paragraph (3)(C), by striking ‘‘identity 
theft’’ and inserting ‘‘fraudulent activity’’; 
(4) by striking paragraph (8) and redesignating 
paragraphs (9) through (13) as paragraphs (8) 
through (12), respectively; and 
(5) in paragraph (10) (as so redesignated), by 
striking ‘‘or a similar crime’’ and inserting ‘‘, fraud, 
or a related crime’’. 
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SEC. 207. REQUIRED BUREAU TO SET PROCEDURES FOR 
REPORTING IDENTITY THEFT, FRAUD, AND 
OTHER RELATED CRIME. 
Section 621(f)(2) of the Fair Credit Reporting Act 
(15 U.S.C. 1681s(f)(2)) is amended— 
(1) in the paragraph heading, by striking 
‘‘MODEL FORM’’ and inserting ‘‘STANDARDIZED AF-
FIDAVIT’’; 
(2) by striking ‘‘The Commission’’ and insert-
ing ‘‘The Bureau’’; 
(3) by striking ‘‘model form’’ and inserting 
‘‘standardized affidavit’’; 
(4) by inserting after ‘‘identity theft’’ the fol-
lowing: ‘‘, fraud, or a related crime, or otherwise are 
harmed by the unauthorized disclosure of the con-
sumer’s financial or personally identifiable informa-
tion,’’; and 
(5) by striking ‘‘fraud.’’ and inserting ‘‘identity 
theft, fraud, or other related crime. Such standard-
ized affidavit and procedures shall not include a re-
quirement that a consumer obtain a police report.’’. 
SEC. 208. ESTABLISHES THE RIGHT TO FREE CREDIT MONI-
TORING AND IDENTITY THEFT PROTECTION 
SERVICES FOR CERTAIN CONSUMERS. 
(a) ENFORCEMENT
OF CREDIT MONITORING
FOR 
SERVICEMEMBERS.— 
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(1) IN
GENERAL.—Subsection (k) of section 
605A (15 U.S.C. 1681c–1(a)) is amended by strik-
ing paragraph (4). 
(2) EFFECTIVE DATE.—This subsection and the 
amendments made by this subsection shall take ef-
fect on the date of the enactment of this Act. 
(b) FREE
CREDIT
MONITORING
AND
IDENTITY 
THEFT
PROTECTION
SERVICES
FOR
CERTAIN
CON-
SUMERS.—Subsection (k) of section 605A (15 U.S.C. 
1681c–1), is amended to read as follows: 
‘‘(k) CREDIT MONITORING AND IDENTITY THEFT 
PROTECTION SERVICES.— 
‘‘(1) IN GENERAL.—Upon the direct request of 
a consumer, a consumer reporting agency described 
in section 603(p) that maintains a file on the con-
sumer and has received appropriate proof of the 
identity of the requester (as described in section 
1022.123 of title 12, Code of Federal Regulations) 
shall provide the consumer with credit monitoring 
and identity theft protection services not later than 
1 business day after receiving such request sent by 
postal mail, toll-free telephone, or secure electronic 
means as established by the agency. 
‘‘(2) FEES.— 
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‘‘(A) CLASSES OF CONSUMERS.—The Bu-
reau may establish classes of consumers eligible 
to receive credit monitoring and identity theft 
protection services free of charge. 
‘‘(B) NO
FEE.—A consumer reporting 
agency described in section 603(p) may not 
charge a consumer a fee to receive credit moni-
toring and identity theft protection services if 
the consumer or a representative of the con-
sumer— 
‘‘(i) asserts in good faith a suspicion 
that the consumer has been or is about to 
become a victim of identity theft, fraud, or 
a related crime, or harmed by the unau-
thorized disclosure of the consumer’s fi-
nancial or personally identifiable informa-
tion; 
‘‘(ii) is unemployed and intends to 
apply for employment in the 60-day period 
beginning on the date on which the request 
is made; 
‘‘(iii) is a recipient of public welfare 
assistance; 
‘‘(iv) is an active duty military con-
sumer or a member of the National Guard 
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(as defined in section 101(c) of title 10, 
United States Code); 
‘‘(v) is 65 years of age or older; or 
‘‘(vi) is a member of a class estab-
lished by the Bureau under subparagraph 
(A). 
‘‘(3) BUREAU RULEMAKING.—The Bureau shall 
issue regulations— 
‘‘(A) to define the scope of credit moni-
toring and identity theft protection services re-
quired under this subsection; and 
‘‘(B) to set a fair and reasonable fee that 
a consumer reporting agency may charge a con-
sumer (other than a consumer described under 
paragraph (2)(B)) for such credit monitoring 
and identity theft protection services. 
‘‘(4) RELATION
TO
STATE
LAW.—This sub-
section does not modify or supersede the laws of any 
State relating to credit monitoring and identity theft 
protection services or other similar actions, except to 
the extent those laws are inconsistent with any pro-
vision of this title, and then only to the extent of the 
inconsistency. For purposes of this subsection, a 
term or provision of a State law is not inconsistent 
with the provisions of this subsection if the term or 
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provision affords greater protection to the consumer 
than the protection provided under this subsection 
as determined by the Bureau.’’. 
SEC. 209. ENSURES REMOVAL OF INQUIRIES RESULTING 
FROM IDENTITY THEFT, FRAUD, OR OTHER 
RELATED CRIME FROM CONSUMER REPORTS. 
Section 605(a) of the Fair Credit Reporting Act (15 
U.S.C. 1681c(a)), as amended by section 103, is further 
amended by adding at the end the following: 
‘‘(17) Information about inquiries made for a 
credit report based on requests that the consumer 
reporting agency verifies were initiated as the result 
of identity theft, fraud, or other related crime.’’. 
TITLE III—MISCELLANEOUS 
SEC. 301. DEFINITIONS. 
Section 603 of the Fair Credit Reporting Act (15 
U.S.C. 1681a) is further amended by adding at the end 
the following: 
‘‘(bb) DEFINITIONS RELATED TO DAYS.— 
‘‘(1) CALENDAR DAY; DAY.—The term ‘calendar 
day’ or ‘day’ means a calendar day, excluding any 
federally recognized holiday. 
‘‘(2) BUSINESS DAY.—The term ‘business day’ 
means a day between and including Monday to Fri-
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