MS HB341

Removes requirement that consumers provide a law enforcement report to a consumer reporting agency before placing a security freeze on their consumer file.

Establishes civil liability for violations of security freeze statutes, allowing damages of $500 to $5,000 per incident or three times actual damages (whichever is greater), plus potential attorney's fees.

Classifies all violations of security freeze statutes (Sections 75-24-201 through 75-24-217) as unfair or deceptive trade practices.

Maintains existing security freeze procedures, including the requirement that consumer reporting agencies place freezes within five business days of receiving a written certified mail request with proper identification and may charge up to $10.00 for this service.