1.1 	A bill for an act
1.2 	relating to consumer protection; requiring security freezes on credit reports 
1.3 	regarding minors;amending Minnesota Statutes 2014, section 13C.016, 
1.4 	subdivisions 2, 8.
1.5 	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

1.6 	Section 1. Minnesota Statutes 2014, section 13C.016, subdivision 2, is amended to read:
1.7 		Subd. 2.Right to obtain security freeze. A consumer, including a minor at the 
1.8 	request of a parent or custodial parent or guardian, if appointed, may elect to place a 
1.9 	security freeze on the consumer's consumer report by making a request to a consumer 
1.10 	reporting agency. The consumer may make the request:
1.11 	(1) by certified mail;
1.12 	(2) by telephone by providing certain personal identification required by the 
1.13 	consumer reporting agency; or
1.14 	(3) directly to the consumer reporting agency through a secure electronic mail 
1.15 	connection if the connection is made available by the consumer reporting agency.

1.16 	EFFECTIVE DATE. This section is effective the day following final enactment.

1.17 	Sec. 2. Minnesota Statutes 2014, section 13C.016, subdivision 8, is amended to read:
1.18 		Subd. 8.Fees. (a) A consumer reporting agency may charge a fee of $5 for placing, 
1.19 	temporarily lifting, or removing a security freeze unless:
1.20 	(1) the consumer is a minor;
1.21 	(1) (2) the consumer is a victim of identity theft as defined in subdivision 1, 
1.22 	paragraph (c); and
2.1 	(2) (3) the consumer provides the consumer reporting agency with a valid copy of a 
2.2 	police report or a police case number documenting the identity theft.
2.3 	(b) In addition to the charge, if any, permitted under paragraph (a), a consumer 
2.4 	may be charged no more than $5 if the consumer fails to retain the original personal 
2.5 	identification number given to the consumer by the agency, but the consumer may not 
2.6 	be charged for a onetime reissue of the same or a new personal identification number. 
2.7 	The consumer may be charged no more than $5 for subsequent instances of loss of the 
2.8 	personal identification number.
2.9 	(c) A consumer who makes a written request by mail may pay any fee charged 
2.10 	pursuant to this subdivision by check, money order, or credit card. A consumer who 
2.11 	makes a request by telephone or other electronic media may pay any fee charged pursuant 
2.12 	to this subdivision by credit card.

2.13 	EFFECTIVE DATE. This section is effective the day following final enactment.