S.619

Credit Freeze for Kids Act amends the Fair Credit Reporting Act to expedite security freezes for protected consumers.

The Credit Freeze for Kids Act amends the Fair Credit Reporting Act to expedite the placement of security freezes for protected consumers. It mandates that consumer reporting agencies place a security freeze within three business days of receiving a request directly from a protected consumer's representative, whether by toll-free telephone, secure electronic means, or mail. Additionally, agencies must notify other consumer reporting agencies of the request within the same timeframe. The changes will take effect 18 months after the enactment of the Act.