‘An Act To Eliminate Fees for Security Freezes and Allow Security Freezes for Minors’
| SP0150 LD 382 |
Session - 127th Maine Legislature C "A", Filing Number S-38, Sponsored by
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LR 1205 Item 2 |
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| Bill Tracking, Additional Documents | Chamber Status | ||
Amend the bill by striking out the title and substituting the following:
‘An Act To Eliminate Fees for Security Freezes and Allow Security Freezes for Minors’
Amend the bill by striking out everything after the enacting clause and before the summary and inserting the following:
‘Sec. 1. 10 MRSA §1310, sub-§1, ¶A, as enacted by PL 2013, c. 228, §1, is amended to read:
(1) A consumer who has been the victim of identity theft may place a security freeze on the consumer's consumer report by making a request in writing by certified mail to a consumer reporting agency with a valid copy of a police report, investigative report or complaint the consumer has filed with a law enforcement agency about unlawful use of personal information by another person. In the case of a victim of identity theft, a consumer reporting agency may not charge a fee for placing, removing or suspending for a specific party or period of time a security freeze on a consumer report.
This subparagraph is repealed October 1, 2015.
(2) A Prior to October 1, 2015, a consumer who has not been the victim of identity theft may place a security freeze on the consumer's consumer report by making a request in writing by certified mail to a consumer reporting agency. A consumer reporting agency may charge a fee of no more than $10 to a consumer for each security freeze, removal of a security freeze or temporary suspension of a security freeze for a period of time or for reissuing the same or a new personal identification number if the consumer fails to retain the original personal identification number provided by the agency under paragraph D. A consumer reporting agency may charge a fee of not more than $12 for a temporary suspension of a security freeze for a specific party. Beginning October 1, 2015, a consumer reporting agency may not charge a fee for placing, removing or suspending for a specific party or period of time a security freeze on a consumer report.
(3) Beginning October 1, 2015, a parent or guardian of a minor who is under 16 years of age may place a security freeze on the minor's consumer report by making a request in writing by certified mail to a consumer reporting agency. The consumer reporting agency may require sufficient proof of identification of the minor and of identification or authority of the minor's parent or guardian. If the consumer reporting agency does not have a file pertaining to the minor, the consumer reporting agency shall create a file for the minor and place a security freeze on that file. A consumer reporting agency may not charge a fee for creating a file for a minor or for placing a security freeze on a minor's file.
summary
This amendment replaces the bill and changes the title. Beginning October 1, 2015, the amendment eliminates the fees that may be charged by a consumer reporting agency when a consumer requests a security freeze and permits the parent or guardian of a minor under 16 years of age to place a security freeze on the consumer report of that minor.