Virginia HB 86: Security freezes; elimination of fees.

Bill Text

Bill Tracking - 2018 session > Legislation 

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2018 SESSION

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18101836D

HOUSE BILL NO. 86 

Offered January 10, 2018 

Prefiled December 9, 2017 

A BILL to amend and reenact �� 59.1-444.2 and 59.1-444.3 of 
 the Code of Virginia, relating to security freezes on credit reports; 
 elimination of fees. 
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Patrons-- Bulova and Simon 

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Referred to Committee on Commerce and Labor 

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Be it enacted by the General Assembly of Virginia:

1. That �� 59.1-444.2 and 59.1-444.3 of the Code of Virginia 
 are amended and reenacted as follows:

� 59.1-444.2. Security freezes.

A. As used in this section, "security freeze" means 
 a notice placed in a consumer's credit report, at the request of the consumer 
 and subject to certain exceptions, that prohibits the consumer reporting agency 
 from releasing the consumer's credit report or score relating to the extension 
 of credit.

B. A consumer may request that a security freeze be placed on 
 his or her credit report by sending a request in writing by certified mail, or 
 such other secure method authorized by a consumer reporting agency, to a 
 consumer reporting agency at an address designated by the consumer reporting 
 agency to receive such requests. This subsection does not prevent a consumer 
 reporting agency from advising a third party that a security freeze is in 
 effect with respect to the consumer's credit report.

C. A consumer reporting agency shall place a security freeze 
 on a consumer's credit report no later than three business days after receiving 
 from the consumer:

1. A written request described in subsection B; and

2. Proper identification; and

3. Payment of a fee not to 
 exceed $10, if applicable.

A consumer reporting agency shall place a security freeze on a 
 consumer's credit report no later than one business day after receiving such a 
 request, if such request is made electronically at an address designated by the 
 consumer reporting agency to receive such requests.

D. The consumer reporting agency shall send a written 
 confirmation of the placement of the security freeze to the consumer within 10 
 business days. Upon placing the security freeze on the consumer's credit 
 report, the consumer reporting agency shall provide the consumer with a unique 
 personal identification number or password, 
 or similar device to be used by the consumer when providing authorization for 
 the release of his credit report for a specific period of time or for a 
 specific party.

E. If the consumer wishes to allow his credit report to be 
 accessed for a specific period of time or for a specific party while a freeze 
 is in place, he shall contact the consumer reporting agency using a point of 
 contact designated by the consumer reporting agency, request that the freeze be 
 temporarily lifted, and provide the f