Introduced
by
To require credit reporting agencies to place a “security alert” notice in the credit report of an consumer who requests the alert. Also, to require credit reporting agencies to honor a “security freeze” request from a consumer, which prohibits the release of information to a third party without prior express authorization from the consumer. The bill sets fees for this service, would allow consumers to sue to recover damages if a credit reporting agency violates the proposed provisions.
Referred to the Committee on Banking and Financial Services
Reported without amendment
With the recommendation that the substitute (H-2) be adopted and that the bill then pass.
Substitute offered
To replace the previous version of the bill with one that revises details but does not change the substance of the bill as previously described.
The substitute passed by voice vote
Amendment offered
by
To prohibit a credit reporting agency from charging a “security alert” and “security freeze” fee to a consumer is age 65 or older.
The amendment passed by voice vote
Amendment offered
by
To establish that the bill applies only to identity theft victims until 2009, when it would apply to all consumers.
The amendment passed by voice vote
Amendment offered
by
To specify and require personal identity protocols for a consumer who requests a temporary lifting of a security freeze by email rather than regular mail, which the bill would allow beginning in 2009.
The amendment passed by voice vote
Amendment offered
by
To prohibit a credit reporting agency from charging a “security alert” and “security freeze” fee to a consumer is age 60 or older.
The amendment passed by voice vote
Passed in the House 105 to 0 (details)
To require credit reporting agencies to place a “security alert” notice in the credit report of an individual who has been the victim of identity theft and requests the alert. Also, to require credit reporting agencies to honor a “security freeze” request from an identity theft victim, which prohibits the release of information to a third party without prior express authorization from the consumer. The bill sets fees for this service, would allow consumers to sue to recover damages if a credit reporting agency violates the proposed provisions. After 2009 the bill would apply to all consumers, not just identity theft victims.
Referred to the Committee on Banking and Financial Institutions
