AN ACT TO AUTHORIZE THE PLACEMENT OF A PROTECTED CONSUMER SECURITY FREEZE ON A PROTECTED CONSUMER'S CREDIT REPORT.
House committee substitute make the following changes to the 1st edition.
Amends GS 75-63.1, Security freeze for protected consumers, which allows a consumer reporting agency to place a protected consumer security freeze (freeze), clarifying that a consumer reporting agency can place a freeze after receiving a request to do so by way of first-class mail, a telephone call, or by secure website or secure electronic mail connection. Amends the provisions concerning the charging of a reasonable fee by a consumer reporting agency for placing a freeze, providing that a reasonable fee not to exceed $5 can be charged (previously, provided for a fee not to exceed $3). Deletes language which provided that a fee could not be charged for the placement or removal of a freeze if that request was made electronically.
Expands by ten the parties to which the placement of a freeze does not stop the release of a protected consumer's consumer report, file, or additional information, including adding persons acting pursuant to a court order, warrant, or subpoena and to a person for the purpose of criminal background record information.
Amends the effective date, providing that the act is effective January 1, 2016 (was, October 1, 2015).
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