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GA HB915
Bill
Status
Passed
4/24/2014
Primary Sponsor
Josh Clark
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AI Summary
- Allows representatives (parents, guardians, conservators) to request a security freeze on the credit reports of protected consumers — defined as individuals under age 16 or persons with an appointed guardian or conservator — to prevent identity theft
- Requires consumer credit reporting agencies to place the security freeze within 30 days of receiving a valid request that includes sufficient proof of identification and proof of authority to act on behalf of the protected consumer
- Permits agencies to charge a fee of up to $10.00 per placement or removal of a freeze, but prohibits fees when a police report or affidavit of identity fraud is provided, or when the agency already has a credit report on file for a minor under 16
- Agencies may remove a freeze or delete a record if it was placed based on a material misrepresentation of fact; violations are punishable by fines up to $100.00 per protected consumer and the Attorney General may seek injunctive relief
- Effective January 1, 2015
Legislative Description
Identity theft; security freezes for minors; provisions
Last Action
Effective Date
1/1/2015
Full Bill Text
No bill text available