House Bill 486

AN ACT TO AUTHORIZE A CONSUMER TO PLACE A SECURITY FREEZE ON HIS OR HER CREDIT REPORT, WHICH WILL PROHIBIT A CONSUMER REPORTING AGENCY FROM RELEASING THE CONSUMER'S CREDIT REPORT OR ANY INFORMATION FROM IT WITHOUT THE EXPRESS AUTHORIZATION OF THE CONSUMER; TO REQUIRE CONSUMER REPORTING AGENCIES TO PLACE A SECURITY FREEZE ON A CONSUMER'S CREDIT REPORT WITHIN FIVE BUSINESS DAYS AFTER RECEIVING A WRITTEN REQUEST FROM THE CONSUMER; TO PROVIDE THAT A SECURITY FREEZE WILL REMAIN IN PLACE UNTIL THE CONSUMER REQUESTS THAT THE SECURITY FREEZE BE REMOVED; TO REQUIRE CONSUMER REPORTING AGENCIES TO REMOVE A SECURITY FREEZE WITHIN THREE BUSINESS DAYS OF RECEIVING A REQUEST FOR REMOVAL FROM THE CONSUMER; TO PROVIDE FOR CERTAIN EXCEPTIONS TO THE REQUIREMENTS OF THIS ACT; TO PROVIDE THAT ANY PERSON WHOSE PROPERTY OR PERSON IS INJURED BY REASON OF A VIOLATION OF THIS ACT MAY SUE FOR CIVIL DAMAGES; TO AMEND SECTION 75-24-5, MISSISSIPPI CODE OF 1972, TO CONFORM TO THE PRECEDING PROVISIONS; TO REPEAL SECTIONS 75-24-201 THROUGH 75-24-217, MISSISSIPPI CODE OF 1972, WHICH ARE THE CURRENT SECURITY FREEZE STATUTES; AND FOR RELATED PURPOSES.

In the House of Representatives

• Bobby Moak

  Sponsor

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

In the House of Representatives Jan 10 – Feb 1

1. Jan 10Referred to the House committee on Banking and Financial Services
2. Feb 1Died in committee in the House