Sec. 4. Enhancement of fraud alert protections
759 words·~3 min read·
/bill/115/s/2375/is/section-4A research copy — for the controlling text, always check the official state or federal source. Not legal advice.
Section 605A of the Fair Credit Reporting Act ( 15 U.S.C. 1681c–1 ) is amended— by striking subsection (a); by redesignating subsections
(b)through
(h)as subsections
(a)through (g), respectively; in subsection (a), as so redesignated— in the subsection heading, by striking and inserting Extended ; and Fraud in paragraph (1)— in the matter preceding subparagraph (A), by striking submits an identity theft report and inserting asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, or has been or will be harmed by the unauthorized disclosure of the financial or personally identifiable information of the consumer, ; in subparagraph (A), by striking 7-year and inserting 10-year ; by striking subparagraph (B); by redesignating subparagraph
(C)as subparagraph (B); in subparagraph (B), as so redesignated— by striking extended ; and by striking the period at the end and inserting ; and ; and by adding at the end the following: upon the expiration of the period described in subparagraph (A), or a subsequent 10-year period, and in response to a direct request by the consumer or such representative, continue the fraud alert for an additional period of 10 years if the consumer or such representative submits an identity theft report. ; in subsection (b), as so redesignated— by striking paragraph (2); by redesignating paragraphs
(1)and
(3)as subparagraphs
(A)and (B), respectively, and adjusting the margins accordingly; in the matter preceding subparagraph (A), as so redesignated, by striking Upon the direct request and inserting the following: Upon the direct request ; and by adding at the end the following: If a consumer reporting agency includes an active duty alert in the file of an active duty military consumer, the consumer reporting agency shall— disclose to the active duty military consumer that the active duty military consumer may request a free copy of the file of the active duty military consumer under section 612(d) during each 1-year period beginning on the date on which the activity duty military alert is requested and ending on the date of the last day that the active duty alert applies to the file of the active duty military consumer; and not later than 3 business days after the date on which the active duty military consumer makes a request described in subparagraph (A), provide to the active duty military consumer all disclosures required to be made under section 609, without charge to the active duty military consumer. ; by amending subsection (c), as so redesignated, to read as follows: Each consumer reporting agency described in section 603(p) shall establish and make available to the public on the Internet website of the consumer reporting agency policies and procedures to comply with this section, including policies and procedures— that inform consumers of the availability of fraud alerts, active duty alerts, or the method provided under section 605C(a), as applicable; that allow consumers to request fraud alerts and active duty alerts in a simple and easy manner; and for asserting in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, or has been or will be harmed by the unauthorized disclosure of the financial or personally identifiable information of the consumer, for a consumer requesting a fraud alert. ; in subsection (d), as so redesignated, by striking paragraphs (1), (2), and
(3)and inserting the following: paragraphs (1)(A), (1)(C), and
(2)of subsection (a), in the case of a referral under subsection (a)(1)(B); and subsection (b)(1)(A), in the case of a referral under subsection (b)(1)(B). ; in subsection (f), as so redesignated, by inserting ‘‘or has been or will be harmed by the unauthorized disclosure of the financial or personally identifiable information of the consumer,’’ after identity theft, ; and in subsection (g), as so redesignated— in paragraph (1)— in the paragraph heading, by striking and inserting initial ; fraud alerts in subparagraph (A), by striking initial ; and in subparagraph (B)(i), by striking an initial and inserting a ; and in paragraph (2)— in the paragraph heading, by striking and inserting extended ; fraud in subparagraph (A), in the matter preceding clause (i), by striking extended and inserting fraud ; and in subparagraph (B), by striking an extended and inserting a . Section 612(d) of the Fair Credit Reporting Act ( 15 U.S.C. 1681j(d) ) is amended by striking subsections (a)(2) and (b)(2) of section 605A, as applicable and inserting section 605A(a)(2) .
Connectionstraces to 1
Traces to 1 document
1 reference not yet in our index
- 15 USC 1681c–1
Citation graph
cites case law
Cites 2Cited by 0 across 0 sources