[Congressional Record Volume 163, Number 148 (Wednesday, September 13, 2017)]
[Senate]
[Page S5701]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]

  SA 1052. Mr. WYDEN submitted an amendment intended to be proposed to 
amendment SA 1003 proposed by Mr. McCain (for himself and Mr. Reed) to 
the bill H.R. 2810, to authorize appropriations for fiscal year 2018 
for military activities of the Department of Defense, for military 
construction, and for defense activities of the Department of Energy, 
to prescribe military personnel strengths for such fiscal year, and for 
other purposes; which was ordered to lie on the table; as follows:

       At the appropriate place, insert the following:

     SEC. ___. PROVIDES ACCESS TO FREE CREDIT FREEZES FOR ALL 
                   CONSUMERS.

       Section 605A of the Fair Credit Reporting Act (15 U.S.C. 
     1681c-1) is amended by adding at the end the following:
       ``(i) Credit Freeze Fees.--
       ``(1) Definition.--In this subsection, the term `credit 
     freeze' means a restriction placed at the request of a 
     consumer or a personal representative of the consumer, on the 
     consumer report of the consumer, that prohibits a consumer 
     reporting agency described in section 603(p) from releasing 
     the consumer report for a purpose relating to the extension 
     of credit without the express authorization of the consumer. 
     A credit freeze shall not apply to the use of a consumer 
     report by any of the following:
       ``(A) A person, or the person's subsidiary, affiliate, 
     agent, subcontractor, or assignee with whom the consumer has, 
     or prior to assignment had, an account, contract, or debtor-
     creditor relationship for the purposes of reviewing the 
     active account or collecting the financial obligation owed on 
     the account, contract, or debt.
       ``(B) A person, or the person's subsidiary, affiliate, 
     agent, subcontractor, or assignee, to whom access has been 
     granted pursuant to a request by the consumer described under 
     section 605A(i)(1)(B), for purposes of facilitating the 
     extension of credit or other permissible use.
       ``(C) Any person acting pursuant to a court order, warrant, 
     or subpoena.
       ``(D) A Federal, State, or local government, or an agent or 
     assignee thereof.
       ``(E) Any person for the sole purpose of providing a credit 
     monitoring or identity theft protection service to which the 
     consumer has subscribed.
       ``(F) Any person for the purpose of providing a consumer 
     with a copy of the consumer report, credit score, or 
     educational credit score of the consumer upon the consumer's 
     request.
       ``(G) Any person or entity for insurance purposes, 
     including use in setting or adjusting a rate, adjusting a 
     claim, or underwriting.
       ``(H) Any person acting pursuant to an authorization from a 
     consumer to use their consumer report for employment 
     purposes.
       ``(2) Prohibition on fees.--A consumer reporting agency 
     described in section 603(p) may not charge a consumer a fee 
     to place, temporarily lift, or fully remove a credit 
     freeze.''.
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