Section 62B: Offering of paid products to prevent or restrict access to credit; notice of availability of security freeze without charge; identification of other consumer reporting agencies from which to place, lift or remove security freeze
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/ma/part-i/title-xv/chapter-93/62bA research copy — for the controlling text, always check the official state or federal source. Not legal advice.
Section 62B. A consumer reporting agency shall not knowingly offer a paid product to prevent unauthorized access or restrict access to a consumer's credit unless at the time of transaction the consumer reporting agency:
(i)notifies the consumer of the availability of obtaining a security freeze without charge and
(ii)provides information to the consumer on how to obtain a security freeze.
A consumer reporting agency that compiles and maintains files on consumers on a nationwide basis and receives a request by a consumer for a security freeze shall identify, to the best of its knowledge, any other consumer reporting agency that compiles and maintains files on consumers on a nationwide basis and inform consumers of appropriate websites, toll-free telephone numbers and mailing addresses that would permit the consumer to place, lift or remove a security freeze from such other consumer reporting agency.
The consumer reporting agencies subject to this section may establish a centralized source, including, but not limited to, a website, that directs a consumer to such websites, toll-free telephone numbers and mailing addresses.