Source: http://uscode.house.gov/view.xhtml?req=(title:15%20section:1681c-1%20edition:prelim)
Timestamp: 2019-04-26 03:54:38+00:00

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(A) The term "consumer reporting agency" means a consumer reporting agency described in section 1681a(p) of this title.
(B) The term "proper identification" has the meaning of such term as used under section 1681h of this title.
(C) The term "security freeze" means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is subject to such security freeze to any person requesting the consumer report.
(ii) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer.
(II) the consumer's right described in section 1681m(d)(1)(D) of this title.
A consumer reporting agency may advise a third party that a security freeze has been placed with respect to a consumer under subparagraph (A).
(i) Upon the direct request of the consumer.
(ii) The security freeze was placed due to a material misrepresentation of fact by the consumer.
If a consumer reporting agency removes a security freeze under subparagraph (A)(ii), the consumer reporting agency shall notify the consumer in writing prior to removing the security freeze.
(ii) in the case of a request that is by mail, 3 business days after receiving the request for removal.
If a third party requests access to a consumer report of a consumer with respect to which a security freeze is in effect, where such request is in connection with an application for credit, and the consumer does not allow such consumer report to be accessed, the third party may treat the application as incomplete.
Upon receiving a direct request from a consumer under subparagraph (A)(i), if the consumer requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph (C), remove the security freeze for the period of time specified by the consumer.
(A) A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this subparagraph, "reviewing the account" includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
(B) Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.
(C) A child support agency acting pursuant to part D of title IV of the Social Security Act (42 U.S.C. 651 et seq.).
(D) A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 1681b of this title.
(E) By a person using credit information for the purposes described under section 1681b(c) of this title.
(F) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed.
(G) Any person or entity for the purpose of providing a consumer with a copy of the consumer's consumer report or credit score, upon the request of the consumer.
(J) Any person using the information for assessing, verifying, or authenticating a consumer's identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud.
"You have a right to place a 'security freeze' on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
"As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer's credit file. Upon seeing a fraud alert display on a consumer's credit file, a business is required to take steps to verify the consumer's identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
"A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.".
(vi) shall not be the only mechanism by which a consumer may request a security freeze.
The Federal Trade Commission shall establish a single webpage that includes a link to each webpage established under subparagraph (A) within the Federal Trade Commission's website www.Identitytheft.gov, or a successor website.
(ii) an incapacitated person or a protected person for whom a guardian or conservator has been appointed.
(C) The term "protected consumer's representative" means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.
(iii) may not be created or used to consider the protected consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
(E) The term "security freeze" means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is the subject of such security freeze or, in the case of a protected consumer for whom the consumer reporting agency does not have a file, a record that is subject to such security freeze to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.
(iv) with respect to a protected consumer who has been placed in a foster care setting, a written communication from a county welfare department or its agent or designee, or a county probation department or its agent or designee, certifying that the protected consumer is in a foster care setting under its jurisdiction.
(iii) a copy of a driver's license, an identification card issued by the motor vehicle administration, or any other government issued identification.
(ii) in the case of a request that is by mail, 3 business days after receiving the request directly from the protected consumer's representative.
(ii) inform the protected consumer's representative of the process by which the protected consumer may remove the security freeze, including a mechanism to authenticate the protected consumer's representative.
If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a direct request under subparagraph (A), the consumer reporting agency shall create a record for the protected consumer.
After a security freeze has been placed under paragraph (2)(A), and unless the security freeze is removed in accordance with this subsection, a consumer reporting agency may not release the protected consumer's consumer report, any information derived from the protected consumer's consumer report, or any record created for the protected consumer.
(i) Upon the direct request of the protected consumer's representative.
(ii) Upon the direct request of the protected consumer, if the protected consumer is not under the age of 16 years at the time of the request.
(iii) The security freeze was placed due to a material misrepresentation of fact by the protected consumer's representative.
If a consumer reporting agency removes a security freeze under subparagraph (A)(iii), the consumer reporting agency shall notify the protected consumer's representative in writing prior to removing the security freeze.
Upon receiving a direct request from a protected consumer or a protected consumer's representative under subparagraph (A)(i), if the protected consumer or protected consumer's representative requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph (C), remove the security freeze for the period of time specified by the protected consumer or protected consumer's representative.
(A) The term "active duty military consumer" includes a member of the National Guard.
(B) The term "National Guard" has the meaning given the term in section 101(c) of title 10.
(B) contact information of the consumer.
(B) what constitutes appropriate proof.
(A) Sections 1681n and 1681o of this title shall not apply to any violation of this subsection.
(B) This subsection shall be enforced exclusively under section 1681s of this title by the Federal agencies and Federal and State officials identified in that section.
Section 1602(i) of this title, referred to in subsec. (h), was redesignated section 1602(j) of this title by Pub. L. 111–203, title X, §1100A(1)(A), July 21, 2010, 124 Stat. 2107 .
The Social Security Act, referred to in subsec. (i)(4)(C), is act Aug. 14, 1935, ch. 531, 49 Stat. 620 . Part D of title IV of the Act is classified generally to part D (§651 et seq.) of subchapter IV of chapter 7 of Title 42, The Public Health and Welfare. For complete classification of this Act to the Code, see section 1305 of Title 42 and Tables.
2018-Subsec. (a)(1)(A). Pub. L. 115–174, §301(a)(1), substituted "1 year" for "90 days".
Subsecs. (i), (j). Pub. L. 115–174, §301(a)(2), added subsecs. (i) and (j).
Subsec. (k). Pub. L. 115–174, §302(d)(1), added subsec. (k).
2010-Subsecs. (c)(1), (g). Pub. L. 111–203 substituted "the Bureau" for "the Commission".
Pub. L. 115–174, title III, §301(c), May 24, 2018, 132 Stat. 1332 , provided that: "The amendments made by this section [amending this section and section 1681t of this title] shall take effect on the date that is 120 days after the date of enactment of this Act [May 24, 2018]."
Amendment by section 302(d)(1) of Pub. L. 115–174 effective 1 year after May 24, 2018, see section 302(e) of Pub. L. 115–174, set out as a note under section 1681a of this title.
Pub. L. 108–159, title I, §112(b), Dec. 4, 2003, 117 Stat. 1959 , as amended by Pub. L. 111–203, title X, §1088(b)(1), July 21, 2010, 124 Stat. 2092 , provided that: "The Bureau shall prescribe regulations to define what constitutes appropriate proof of identity for purposes of sections 605A , 605B, and 609(a)(1) of the Fair Credit Reporting Act [15 U.S.C. 1681c–1, 1681c–2, 1681g(a)(1)], as amended by this Act."
Pub. L. 108–159, title I, §151(b), Dec. 4, 2003, 117 Stat. 1964 , provided that: "Not later than 2 years after the date of enactment of this Act [Dec. 4, 2003], the Commission shall establish and implement a media and distribution campaign to teach the public how to prevent identity theft. Such campaign shall include existing Commission education materials, as well as radio, television, and print public service announcements, video cassettes, interactive digital video discs (DVD's) or compact audio discs (CD's), and Internet resources."

References: §1100
 §301
 §301
 §302
 §301
 §112
 §1088
 §151