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HB18-1090 Credit Security Freeze For Minors And At-risk Adults

Issues | Privacy & Technology
Bill Number: HB18-1090
Year: 2018
ACLU Position: Oppose
Sponsors: C. Duran/K. Ransom

Description:

Section 2 of the bill requires a consumer reporting agency that has
a consumer file on an individual who is under 18 years of age to
automatically place a security freeze on the individual’s consumer report
free of charge. Once the individual reaches 18 years of age, the consumer
reporting agency shall automatically unfreeze the individual’s consumer

report unless the individual or the individual’s guardian, at least one
month before the individual turns 18 but not more than 6 months before
the individual turns 18, requests that the security freeze be maintained.
Section 3 authorizes a guardian to request a security freeze for an
individual who is under the charge of the guardian. If the consumer
reporting agency does not yet have a consumer report for the individual
at the time that a security freeze is requested, the consumer reporting
agency is required to create a consumer record for the individual and
place a security freeze on the consumer record.
The individual’s guardian may request that the consumer reporting
agency temporarily lift the security freeze placed on the individual’s
consumer report or record, lift the security freeze with respect to a
specific third party, or permanently remove the security freeze.
A consumer reporting agency is not allowed to charge a fee for the
placement, temporary lift, partial lift, or removal of a security freeze on
the individual’s consumer report or record.
Section 1 defines the terms guardian, legal guardian,
protected consumer, sufficient proof of authority, and sufficient
proof of identification and amends the definition of security freeze to
apply to individuals under the charge of a guardian.
Section 4 adds a summary of rights that consumer reporting
agencies are required to send to consumers concerning:
• The automatic security freeze placed on individuals under
18 years of age for whom a consumer reporting agency has
a consumer file; and
• A guardian’s right to request a security freeze for an
individual who is under the guardian’s charge and for
whom a consumer reporting agency does not have a
consumer file.




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