What This Bill Does · Plain English
GovGreed Synthesis · AI extraction
This bill amends the Fair Credit Reporting Act to require consumer reporting agencies to place a security freeze for a minor (a 'protected consumer') for free within three business days upon receiving a proper request from the minor's representative. It also requires the agency that receives the request to notify other consumer reporting agencies, who must then also place the freeze within three business days.
Action Timeline
2025-02-18
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
2025-02-18
Introduced in Senate
Frequently Asked Questions
Did S.619 pass?
S.619 is still alive. Current stage: COMMITTEE. Pass likelihood: 38%.
What does S.619 do?
This bill amends the Fair Credit Reporting Act to require consumer reporting agencies to place a security freeze for a minor (a 'protected consumer') for free within three business days upon receiving a proper request from the minor's representative. It also requires the agency that receives the request to notify other consumer reporting agencies, who must then also place the freeze within three business days.
Who sponsored S.619?
S.619 was sponsored by Margaret Wood Hassan (D-New Hampshire).
Full Bill Text
119 S619 IS: Credit Freeze for Kids Act U.S. Senate 2025-02-18 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. II 119th CONGRESS 1st Session S. 619 IN THE SENATE OF THE UNITED STATES February 18, 2025 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. 1. Short title This Act may be cited as the Credit Freeze for Kids Act . 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, which shall include sufficient proof of identification, sufficient proof of authority, and all other necessary documentation, the following shall apply: (i) The consumer reporting agency shall, free of charge— (I) in the case of a request that is by toll-free telephone, secure electronic means, or mail, place the security freeze not later than 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) A consumer reporting agency receiving a notification submitted under clause (i)(II) shall place the requested freeze not later than 3 business days after receiving that notification. . (b) Effective date The amendments made by subsection (a) shall take effect on the date that is 18 months after the date of enactment of this Act.
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