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State by State Credit File Freeze Laws C-K

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http://www.consumersunion.org/campaigns/learn_more/003484indiv.html

These states give consumers this important weapon to prevent identity theft:

California

Applies to all consumers

Effective Jan. 1, 2003, subsequently amended to cap fees on non-ID theft victims

No fee for victims to place the freeze, others pay up to $10 per freeze Caps fee to lift freeze at $10 for temporary lifting for a time, $12 for temporary lift for one creditor

California Civil Code sections 1785.11.2-1785.11.6.

How to place your security freeze in California and a link to the text of the California statute, see: http://www.privacyprotection.ca.gov/sheets/cis10securityfreeze.htm

Colorado

SB 05-137

SB 05-137

Applies to all consumers

Fees: No fee for first freeze; $10 to place a second freeze, $10 to lift, $12 for temporarily lift for one creditor

Effective date: July 1, 2006

Text of statute (SB 05-137): http://www.leg.state.co.us/Clics2005a/csl.nsf/fsbillcont3/349195C4D17F1A7787256F8E0001202B?Open&file=137_enr.pdf

For more information on the security freeze law in Colorado, see: http://www.ago.state.co.us/idtheft/securityfreeze.cfm

and for instructions on how to place a security freeze:

www.consumersunion.org/pdf/security/securityCO.pdf

Connecticut

SB 650

Applies to all consumers

Fees: $10 to place, lift, or lift temporarily, $12 to lift for one creditor

Effective date: Jan. 1, 2006

669 Connecticut General Statutes § 36a-701a

http://www.cga.ct.gov/2005/act/Pa/2005PA-00148-R00SB-00650-PA.htm

For more information on the security freeze law in Connecticut, see:

http://www.ct.gov/ag/cwp/view.asp?A=1949&Q=293270

and for instructions on how to place a security freeze:

www.consumersunion.org/pdf/security/securityCT.pdf

Delaware

Applies to all consumers. $20 to place, free to temporarily lift for a period of time or specific creditor and to remove.

Effective: either September 28, 2006 or October 9, 2006—will update

For more information on the Substitute for SB 109, see: http://www.legis.state.de.us/LIS/lis143.nsf/EngrossmentsforLookup/SS+1+FOR+SB+109/$file/Engross.html?open

For instructions on how to place a security freeze in Delaware, see: www.consumersunion.org/pdf/security/securityDE.pdf

Florida

Applies to all consumers.

No fees for victims of identity theft (with investigative report) and seniors aged 65 years and older. For all others, there is a $10 fee to place, temporarily lift or to remove a security freeze. Effective: July 1.

For more information on the statute (HB 37), see: http://www.myfloridahouse.gov/Sections/Documents/loaddoc.aspx?FileName=_h0037er.doc&DocumentType=Bill&BillNumber=0037&Session=2006 For instructions on how to place a security freeze in Florida, see: www.consumersunion.org/pdf/security/securityFL.pdf

Hawaii

Victims of ID theft only, with a police, investigative report or complaint filed with a law enforcement agency.

No fees permitted.

Effective Date: January 1, 2096.

http://www.capitol.hawaii.gov/sessioncurrent/bills/hb1871_hd1_.htm

and for instructions on how to place a security freeze in Hawaii: www.consumersunion.org/pdf/security/securityHI.pdf

Illinois

After January 1, 2007, this law will apply to all consumers. Victims with police reports and seniors 65+ years old do not pay a $10 fee to place, remove or temporarily remove. All others pay fee. Before Jan. 1, 2007, the law applies only to identity theft victims.

Effective date: January 1, 2007

For more information on 815 ILCS 505/2MM: http://www.ilga.gov/legislation/publicacts/fulltext.asp?Name=094-0799

and for instructions on how to place a security freeze in Illinois:

www.consumersunion.org/pdf/security/securityIL.pdf

Kansas

Victims of ID theft only, with a police, investigative report or complaint filed with a law enforcement agency

No fees permitted

Effective date: Jan 1, 2007

For more information on S.B. 196: http://www.kslegislature.org/bills/2006/196.pdf

and for instructions on how to place a security freeze in Kansas:

www.consumersunion.org/pdf/security/securityKS.pdf

Kentucky

Applies to all consumers

Fees: No fees on ID theft victims who provide a police report. Others pay up to $10 to place, remove, temporarily suspend, or have PIN reissued.

Effective Date: July 1, 2006

Expires after 7 years from date of placement or upon consumer’s request, if earlier

For more information on HB 54: http://www.lrc.ky.gov/record/06RS/HB54.htm

and for instructions on how to place a security freeze in Kentucky:

www.consumersunion.org/pdf/security/securityKY.pdf

Louisiana

Applies to all consumers

Fees: $10 to place, $8 to lift, no fees for ID theft victims or persons age 62 or older

Effective date: July 1, 2005

Louisiana Statutes Annotated § 9.3571(H) to (Y)

How to place your security freeze in Louisiana:

http://www.ag.state.la.us/calerts/alert0015.aspx

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Maine

Applies to all consumers

Fees: No fees on ID theft victims who provide a police report. Others pay up to $10 to place, remove, temporarily suspend, or have PIN reissued, and $12 to lift for a specific creditor.

Effective date: Feb. 1, 2006.

For more information on 10 MRSA §1313-C: http://janus.state.me.us/legis/LawMakerWeb/externalsiteframe.asp?ID=280015326&LD=581&Type=1&SessionID=6

and for instructions on how to place a security freeze in Maine:

www.consumersunion.org/pdf/security/securityME.pdf

Minnesota

Applies to all consumers.

Fees: No fees on ID theft victims who provide police report. Others pay $5 to place, remove, temporarily suspend, lift for specific creditor, or have PIN reissued.

Effective date: August 1, 2006

For more information on statute (Senate Bill 2002):

http://www.revisor.leg.state.mn.us/bin/bldbill.php?bill=S2002.4.html&session=ls84

To place a security freeze in Minnesota:www.consumersunion.org/pdf/security/securityMN.pdf

Nevada

Applies to all consumers

Fees: No fee for ID theft victims who submit a police report, for others $15 to place, $18 to lift, $20 to lift for one creditor

Effective date: October 1, 2005.

For more information on NRS 598C in easy to read bill form: http://www.leg.state.nv.us/73rd/bills/SB/SB80_EN.pdf

and for instructions on how to place a security freeze in Nevada:

http://www.consumersunion.org/pdf/security/securityNV.pdf

New Hampshire

Applies to all consumers

Fees: No fee for ID theft victims who submit a copy of a police report, investigative report, or complaint to a law enforcement agency, for others $10 to place, temporarily lift or remove

Effective date: January 1, 2007

For more information on statute (SB334): http://www.gencourt.state.nh.us/legislation/2006/SB0334.html

and for instructions on how to place a security freeze in New Hampshire:

http://www.consumersunion.org/pdf/security/securityNH.pdf

New Jersey

Applies to all consumers

Fees: No fee for initial freeze. Up to $5 to remove, temporarily lift or have PIN reissued. Consumers are also permitted to make such requests directly to consumer reporting agencies via secured electronic mail.

Effective date: January 1, 2006

Text of statute: http://www.njleg.state.nj.us/2004/Bills/S2000/1914_R1.PDF

How to place your security freeze in New Jersey:

http://www.njdobi.org/creditfreeze.htm

New York

Applies to all consumers.

Free to place first time for everyone. After first time, or to lift temporarily or remove there is a $5 fee except for victims who pay no fee.

Effective Date: November 1, 2006

For more information on the statute (AB 7349) see: http://assembly.state.ny.us/leg/?bn=A07349&sh=t

How to place your security freeze in New York:

http://www.consumersunion.org/pdf/security/securityNY.pdf

Oklahoma

Applies to all consumers, no fees for ID theft victims with investigative report and no fees for seniors 65 years +.

Effective Date: January 1, 2007.

For more information on this statute (SB 1748): http://www.lsb.state.ok.us/ then click on text if measures, select Senate, 2006 Regular Session and Enrolled—then click search. Scroll down to SB 1748.

How to place your security freeze in Oklahoma::http://www.consumersunion.org/pdf/security/securityOK.pdf

North Carolina

Applies to all consumers

No fees for ID theft victims with valid report/complaint with law enforcement agency. Up to $10 to place, remove, temporarily suspend.

Effective date: December 1, 2005

For more information on statute:

http://www.ncga.state.nc.us/Sessions/2005/Bills/Senate/HTML/S1048v6.html

How to place your security freeze in North Carolina:

http://www.ncdoj.com/DocumentStreamerClient?directory=Publications&file=securityfreeze.pdf

Rhode Island

Applies to all consumers, no fees for ID theft victims or seniors 65 years +.

Effective Date: September 28, 2006 (90 days from enactment. Enacted June 30, 2006.)

For more information about this statute (H7148), see: http://www.rilin.state.ri.us/Billtext/BillText06/HouseText06/H7148Aaa.pdf

How to place your security freeze in Rhode Island, see: http://www.consumersunion.org/pdf/security/securityRI.pdf

South Dakota

Applies to identity theft victims with a police report

No fees, only freezes credit report, expires after 7 years from date of placement or upon consumer’s request, if earlier

Effective date: July 1, 2006

Text of statute (SB 180): http://legis.state.sd.us/sessions/2006/bills/SB180enr.htm http://www.consumersunion.org/pdf/security/securitySD.pdf

Texas

Applies to identity theft victims with a police report

No fees

Placement at one CRA must be honored by all

Effective date: September 1, 2003

Texas Business & Commerce Code Ann. § 20.031 to 20.039

Text of statute (see Chapter 20, Section 031 - REQUESTING SECURITY ALERT from link below): http://www.capitol.state.tx.us/statutes/bc.toc.htm

and

http://www.consumersunion.org/pdf/security/securityTX.pdf

Utah

Applies to all consumers

Reasonable fees

Consumer can temporary lift or “thaw” freeze within 15 minutes of electronic request

Effective date: September 1, 2008

Text of statute (SB 71): http://www.le.state.ut.us/~2006/bills/sbillenr/sb0071.htm

and

http://www.consumersunion.org/pdf/security/securityUT.pdf

Vermont

Applies to all consumers beginning July 1, 2006. Before July 1, 2006, this bill only applies to identity theft victims with a police report or a complaint to a law enforcement agency

No fees

Effective date: July 1, 2005

Vermont Statutes Annotated, Title 9, Sections 2480a to 2480j

Text of statute: http://www.leg.state.vt.us/docs/legdoc.cfm?URL=/docs/2004/acts/ACT155.HTM

How to place your security freeze in Vermont, see: http://www.atg.state.vt.us/display.php?smod=198 and http://www.consumersunion.org/pdf/security/securityVT.pdf

Washington

Applies to identity theft victims, including persons who receive a notice of a security breach of computerized personal information

No fees

Effective date: July 24, 2005

Chapter 342, Laws of 2005, to be codified at Sec. 19.182 RCW.

Text of statute:

http://www.leg.wa.gov/pub/billinfo/2005-06/Htm/Bills/Session%20Law%202005/5418.SL.htm

How to place your security freeze in Washington, see:

http://www.atg.wa.gov/AskAG/AskAG_CreditFreeze_20051010.shtml

Wisconsin

Applies to all consumers

No fee for an "individual who submits evidence satisfactory to the CRAs that the individual made a report to a law enforcement agency. Up to $10 for others to place, thaw or remove freeze.

Passed March 16, 2006. Effective Date: January 1, 2007

Text of Statute (AB 912):

http://www.legis.state.wi.us/2005/data/AB-912.pdf

and

http://www.consumersunion.org/pdf/security/securityWI.pdf

For more information on security freezes, see the Model State Clean Credit and Identity Theft Protection Act, http://www.consumersunion.org/pub/core_financial_services/001732.html

Updated 7/6/06

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