HF 3187

as introduced - 89th Legislature (2015 - 2016) Posted on 05/24/2016 03:32pm

A bill for an act
relating to consumer protection; requiring security freezes on credit reports
regarding minors; amending Minnesota Statutes 2014, section 13C.016,
subdivisions 2, 8.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

Section 1.

Minnesota Statutes 2014, section 13C.016, subdivision 2, is amended to read:

Subd. 2.

Right to obtain security freeze.

A consumer new text begin , including a minor at the
request of a parent or custodial parent or guardian, if appointed, new text end may elect to place a
security freeze on the consumer's consumer report by making a request to a consumer
reporting agency. The consumer may make the request:

(1) by certified mail;

(2) by telephone by providing certain personal identification required by the
consumer reporting agency; or

(3) directly to the consumer reporting agency through a secure electronic mail
connection if the connection is made available by the consumer reporting agency.

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective the day following final enactment.
new text end

Sec. 2.

Minnesota Statutes 2014, section 13C.016, subdivision 8, is amended to read:

Subd. 8.

Fees.

(a) A consumer reporting agency may charge a fee of $5 for placing,
temporarily lifting, or removing a security freeze unless:

new text begin (1) the consumer is a minor;
new text end

deleted text begin (1) deleted text end new text begin (2) new text end the consumer is a victim of identity theft as defined in subdivision 1,
paragraph (c); and

deleted text begin (2) deleted text end new text begin (3) new text end the consumer provides the consumer reporting agency with a valid copy of a
police report or a police case number documenting the identity theft.

(b) In addition to the charge, if any, permitted under paragraph (a), a consumer
may be charged no more than $5 if the consumer fails to retain the original personal
identification number given to the consumer by the agency, but the consumer may not
be charged for a onetime reissue of the same or a new personal identification number.
The consumer may be charged no more than $5 for subsequent instances of loss of the
personal identification number.

(c) A consumer who makes a written request by mail may pay any fee charged
pursuant to this subdivision by check, money order, or credit card. A consumer who
makes a request by telephone or other electronic media may pay any fee charged pursuant
to this subdivision by credit card.

new text begin EFFECTIVE DATE. new text end

new text begin This section is effective the day following final enactment.
new text end