MN HF4000

Amends Minnesota Statutes section 13C.016 to define "security freeze" as a notice placed on a consumer's credit report that prohibits release of information for credit extension or new account opening without express consumer authorization.

Establishes $5 fee cap for placing, temporarily lifting, or removing a security freeze, with exemptions for identity theft victims who provide a valid police report or case number and data breach victims who provide breach notification.

Allows consumers to be charged up to $5 for failure to retain their personal identification number, but prohibits charges for the first reissue; subsequent losses incur up to $5 charge each.

Permits mail-based payment via check, money order, or credit card, and telephone or electronic payment via credit card only.