House Bill 684

AN ACT TO AMEND SECTION 75-24-201, MISSISSIPPI CODE OF 1972, TO DELETE THE REQUIREMENT THAT A CONSUMER MUST PROVIDE TO A CONSUMER REPORTING AGENCY A LAW ENFORCEMENT REPORT REGARDING THE UNLAWFUL USE OF THE CONSUMER'S PERSONAL INFORMATION BEFORE THE CONSUMER MAY HAVE A SECURITY FREEZE PLACED ON HIS OR HER CONSUMER FILE; TO PROVIDE THAT A SECURITY FREEZE SHALL REMAIN IN EFFECT UNTIL THE CONSUMER REQUESTS THAT THE SECURITY FREEZE BE REMOVED; TO PROVIDE THAT A CONSUMER REPORTING AGENCY MAY NOT CHARGE ANY FEE TO A VICTIM OF IDENTITY THEFT WHO HAS SUBMITTED A COPY OF A VALID REPORT OR COMPLAINT WITH A LAW ENFORCEMENT AGENCY ABOUT THE UNLAWFUL USE OF THE VICTIM'S IDENTIFYING INFORMATION BY ANOTHER PERSON; TO PROVIDE THAT THE UNIQUE PERSONAL IDENTIFICATION NUMBER OR PASSWORD PROVIDED BY A CONSUMER REPORTING AGENCY TO A CONSUMER TO AUTHORIZE A REMOVAL OR TEMPORARY LIFTING OF THE SECURITY FREEZE MAY NOT BE THE CONSUMER'S SOCIAL SECURITY NUMBER; TO CREATE NEW SECTION 75-24-202, MISSISSIPPI CODE OF 1972, TO PROVIDE THAT NOTICE BE PROVIDED TO A CONSUMER WHENEVER THE CONSUMER IS REQUIRED TO RECEIVE A SUMMARY OF RIGHTS REQUIRED UNDER THE FEDERAL FAIR CREDIT REPORTING ACT, STATING THE MISSISSIPPI CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE; TO PRESCRIBE THE CONTENTS OF THE NOTICE; TO AMEND SECTION 75-24-207, MISSISSIPPI CODE OF 1972, TO AUTHORIZE A CONSUMER REPORTING AGENCY TO CHARGE A CONSUMER A FEE TO REMOVE A SECURITY FREEZE OR TEMPORARILY LIFT A SECURITY FREEZE, EXCEPT FOR A CONSUMER WHO IS VICTIM OF IDENTITY THEFT WHO HAS SUBMITTED A COPY OF A VALID INVESTIGATIVE OR INCIDENT REPORT OR COMPLAINT WITH A LAW ENFORCEMENT AGENCY ABOUT THE UNLAWFUL USE OF THE VICTIM'S IDENTIFYING INFORMATION BY ANOTHER PERSON; TO AMEND SECTION 75-24-209, MISSISSIPPI CODE OF 1972, TO PROVIDE THAT A SECURITY FREEZE DOES NOT APPLY TO A CONSUMER REPORT PROVIDED TO CERTAIN ADDITIONAL PERSONS OR ENTITIES; TO CREATE NEW SECTION 75-24-216, MISSISSIPPI CODE OF 1972, TO PROVIDE THAT ANY PERSON WHOSE PROPERTY OR PERSON IS INJURED BY REASON OF A VIOLATION OF THE SECURITY FREEZE STATUTES MAY SUE FOR CIVIL DAMAGES AND INJUNCTIVE RELIEF; TO AMEND SECTION 75-24-5, MISSISSIPPI CODE OF 1972, TO PROVIDE THAT ANY VIOLATION OF THE SECURITY FREEZE STATUTES SHALL BE CONSIDERED AS AN UNFAIR OR DECEPTIVE TRADE PRACTICE; AND FOR RELATED PURPOSES.

In the House of Representatives

• Brandon Jones

  Sponsor

l9n doesn't hold this bill's text yet.

In the House of Representatives Jan 13 – Feb 2

1. Jan 13Referred to the House committee on Banking and Financial Services
2. Feb 2Died in committee in the House