DCS; credit freeze; consumer reporting
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed House
- Passed Senate
- To Governor
- Became Law
Overview
This bill establishes a security freeze on the credit records of children in the care of the Department of Child Safety (DCS). Within 30 days of a child being adjudicated a dependent child, the DCS must place a security freeze on the child’s record or credit report. The freeze remains in effect until the child reaches age 16, at which point they can choose to maintain or remove it. The bill also outlines notification requirements for the child’s parents or guardians regarding the security freeze and how to remove it, and prohibits fees for placing or removing these freezes.
Key provisions
- The Department of Child Safety (DCS) must place a security freeze on a child’s credit report within 30 days of being declared a dependent child.
- The security freeze remains in effect until the child reaches age 16.
- Children aged 16 and older can choose to maintain or remove the security freeze.
- The DCS must notify the child’s parents or guardians about the security freeze and how to remove it.
- Consumer reporting agencies cannot charge fees for placing or removing security freezes.
- Specific exceptions are listed regarding when a security freeze may not be applied (e.g., credit monitoring services, insurance companies, governmental entities).
- A security freeze can be removed if the freeze was placed due to a material misrepresentation.
Who is affected
- Children in the care of the Department of Child Safety (DCS)
Bill text
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Sponsors
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8 on record
Primary sponsor
Cosponsors
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