OH HB317

Establishes new protections for minors (under age 16) and incapacitated persons by allowing parents, guardians, or conservators to place security freezes on their credit reports to prevent identity theft.

Parents or guardians must provide "sufficient proof of authority" (court orders, power of attorney, birth certificate, or notarized statement) and proof of identity for both themselves and the protected consumer.

Consumer credit reporting agencies must place security freezes within 30 days of receiving a valid request and send written confirmation within 5 business days.

Allows minors age 16 and older to request removal of security freezes placed on their behalf by providing proof of identity and age.

Creates new section 1349.521 of the Revised Code establishing the specific requirements, procedures, and limitations for protected consumer credit freezes, effective six months after enactment.