MN HF3480

Consumer reporting agencies may not charge fees for placing, temporarily lifting, or removing security freezes unless the consumer is an identity theft victim with a valid police report or case number.

Consumers may be charged up to $5 for losing their personal identification number, but the first reissue is free and subsequent losses cost up to $5 each.

Consumers may pay security freeze fees by check, money order, or credit card if requesting by mail, or by credit card only for telephone or electronic requests.

Alternative dispute resolution clauses in contracts between consumer reporting agencies and consumers must be venied in the county where the consumer resides; any clause providing otherwise is void and unenforceable.

Consumer reporting agencies must offer six years of free credit monitoring services to consumers following a security breach, beginning from either the breach date or notification date, whichever is later.