I 
115TH CONGRESS 
1ST SESSION H. R. 3878 
To amend the Fair Credit Reporting Act to provide access to free credit 
freezes for all consumers. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 28, 2017 
Mr. BEN RAY LUJA´N of New Mexico (for himself, Mr. LANGEVIN, Mr. 
CA´RDENAS, Mr. NADLER, Mr. BEYER, Ms. KAPTUR, Ms. NORTON, Mr. 
BRENDAN F. BOYLE of Pennsylvania, Mr. BISHOP of Georgia, Ms. 
MICHELLE
LUJAN
GRISHAM
of New Mexico, Mr. CAPUANO, Mr. 
BUTTERFIELD, and Mrs. NAPOLITANO) introduced the following bill; 
which was referred to the Committee on Financial Services 
A BILL 
To amend the Fair Credit Reporting Act to provide access 
to free credit freezes for all consumers. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Free Credit Freeze 
Act’’. 
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SEC. 2. PROVIDES ACCESS TO FREE CREDIT FREEZES FOR 
ALL CONSUMERS. 
Section 605A of the Fair Credit Reporting Act (15 
U.S.C. 1681c–1) is amended by adding at the end the fol-
lowing: 
‘‘(i) CREDIT FREEZE FEES.— 
‘‘(1) DEFINITION.—In this subsection, the term 
‘credit freeze’ means a restriction placed at the re-
quest of a consumer or a personal representative of 
the consumer, on the consumer report of the con-
sumer, that prohibits a consumer reporting agency 
described in section 603(p) from releasing the con-
sumer report for a purpose relating to the extension 
of credit without the express authorization of the 
consumer. A credit freeze shall not apply to the use 
of a consumer report by any of the following: 
‘‘(A) A person, or the person’s subsidiary, 
affiliate, agent, subcontractor, or assignee with 
whom the consumer has, or prior to assignment 
had, an account, contract, or debtor-creditor re-
lationship for the purposes of reviewing the ac-
tive account or collecting the financial obliga-
tion owed on the account, contract, or debt. 
‘‘(B) A person, or the person’s subsidiary, 
affiliate, agent, subcontractor, or assignee, to 
whom access has been granted pursuant to a 
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request by the consumer for purposes of facili-
tating the extension of credit or other permis-
sible use. 
‘‘(C) Any person acting pursuant to a 
court order, warrant, or subpoena. 
‘‘(D) A Federal, State, or local govern-
ment, or an agent or assignee thereof. 
‘‘(E) Any person for the sole purpose of 
providing a credit monitoring or identity theft 
protection service to which the consumer has 
subscribed. 
‘‘(F) Any person for the purpose of pro-
viding a consumer with a copy of the consumer 
report, or credit score of the consumer upon the 
consumer’s request. 
‘‘(G) Any person or entity for insurance 
purposes, including use in setting or adjusting 
a rate, adjusting a claim, or underwriting. 
‘‘(H) Any person acting pursuant to an au-
thorization from a consumer to use their con-
sumer report for employment purposes. 
‘‘(2) PROHIBITION ON FEES.—A consumer re-
porting agency described in section 603(p) may not 
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charge a consumer a fee to place, temporarily lift, or 
fully remove a credit freeze.’’. 
Æ 
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