[Congressional Bills 118th Congress]
[From the U.S. Government Publishing Office]
[S. 4916 Introduced in Senate (IS)]
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118th CONGRESS
2d Session
S. 4916
To amend the Fair Credit Reporting Act to address the placement of
security freezes for protected consumers, and for other purposes.
_______________________________________________________________________
IN THE SENATE OF THE UNITED STATES
July 31, 2024
Ms. Hassan (for herself and Mr. Cornyn) introduced the following bill;
which was read twice and referred to the Committee on Banking, Housing,
and Urban Affairs
_______________________________________________________________________
A BILL
To amend the Fair Credit Reporting Act to address the placement of
security freezes for protected consumers, and for other purposes.
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ``Credit Freeze for Newborns Act''.
SEC. 2. SECURITY FREEZES FOR PROTECTED CONSUMERS.
(a) In General.--Section 605A(j)(2)(A) of the Fair Credit Reporting
Act (15 U.S.C. 1681c-1(j)(2)(A)) is amended to read as follows:
``(A) In general.--Upon receiving a direct request
from a protected consumer's representative that a
consumer reporting agency place a security freeze, and
upon receiving sufficient proof of identification and
sufficient proof of authority, the following shall
apply:
``(i) The consumer reporting agency shall,
free of charge--
``(I) place the security freeze not
later than--
``(aa) in the case of a
request that is by toll-free
telephone or secure electronic
means, 1 business day after
receiving the request directly
from the protected consumer's
representative; or
``(bb) in the case of a
request that is by mail, 3
business days after receiving
the request directly from the
protected consumer's
representative; and
``(II) not later than 3 business
days after receiving the request
directly from the protected consumer's
representative, notify each other
consumer reporting agency regarding the
request.
``(ii) Upon being notified under subclause
(II) of clause (i) regarding the request, the
consumer reporting agency receiving the
notification shall place the requested freeze
in accordance with the requirements under items
(aa) and (bb) of subclause (I) of that
clause.''.
(b) Requiring the Social Security Administration To Include
Information on Placing a Security Freeze for a Protected Consumer Under
16 Years of Age With Issuance of Social Security Number or Replacement
Social Security Card.--
(1) In general.--Section 205(c)(2) of the Social Security
Act (42 U.S.C. 405(c)(2)) is amended by adding at the end the
following new subparagraph:
``(I)(i) In this subparagraph, the terms `protected consumer',
`protected consumer's representative', and `security freeze' have the
meanings given those terms in section 605A(j) of the Fair Credit
Reporting Act (15 U.S.C. 1681c-1(j)).
``(ii) Whenever the Commissioner of Social Security issues a social
security account number or a replacement social security card to a
protected consumer who is under 16 years of age, the Commissioner shall
include, with the social security card and any other information
provided to the individual at the time such social security account
number or replacement card is issued, information on how the protected
consumer's representative may submit a request for a security freeze on
behalf of the protected consumer under section 605A(j) of the Fair
Credit Reporting Act (15 U.S.C. 1681c-1(j)).''.
(2) Effective date.--The amendment made by this subsection
shall take effect on the date that is 12 months after the date
of enactment of this Act.
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