AZ HB2366

Eliminates all fees for placing, removing, or temporarily lifting security freezes on consumer credit reports, changing previous law that allowed consumer reporting agencies to charge up to $5 per transaction.

Reduces the timeframe for placing a security freeze from ten business days to twenty-four hours after receiving a written request from a consumer.

Eliminates fees for placing or removing security freezes on credit reports for protected persons (minors under 16, incapacitated persons, or those with court-appointed guardians), except when required by law for identity theft victims or minors.

Maintains existing exceptions allowing credit reporting agencies and authorized third parties to access frozen credit reports for legitimate business purposes, law enforcement, child support enforcement, and government agencies.

Establishes this as an unlawful practice under Arizona consumer protection law, enforceable through private actions and by the Attorney General.