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Consumer Reporting Agency Security Freeze Minors

Concerning a consumer reporting agency's placement of a security freeze on the consumer report of a consumer who is under the charge of a representative at the request of the consumer's representative.
2018 Regular Session
Financial Services & Commerce
Bill Summary

Consumer credit reporting - privacy - minors under 16 and legal wards - security freeze. Section 2 of the act authorizes a parent or legal guardian (representative) to request that a consumer reporting agency place a security freeze on the consumer report of either a minor under 16 or another person who is a ward of the representative (protected consumer). If the consumer reporting agency does not yet have a consumer report for the protected consumer when a security freeze is requested, the consumer reporting agency must, upon written request, create a consumer record for the protected consumer and place a security freeze on the consumer record.

The protected consumer's representative ask the consumer reporting agency to remove the security freeze. A protected consumer who demonstrates that his or her representative's appointment is no longer valid may have the security freeze removed.

A consumer reporting agency may not charge a fee for the placement, temporary lift, or removal of a security freeze on a protected consumer's consumer report or record or for the creation of a record for a protected consumer, nor place, temporarily lift, partially lift, or permanently remove a security freeze on a consumer report or record of a consumer who is under 18 years of age.

Section 3 requires consumer reporting agencies to inform parents or other representatives that they may request a security freeze on behalf of their child or ward.

Section 1 defines the terms "protected consumer", "record", "representative", "sufficient proof of authority", and "sufficient proof of identification", and amends the definition of "security freeze".

(Note: This summary applies to this bill as enacted.)


Became Law


Bill Text

Pursuant to HJR20-1007, the Second Regular Session of the 72nd General Assembly is Temporarily Adjourned until 10:00 a.m., Monday, March 30, 2020. 

COVID-19 Resources

Temporary Guidelines for Review and Comment Meetings

The legislature will meet in limited session on Monday, March 30th. The Capitol will be open for the duration of the session for those with essential business related to the session. The building will not be available for public tours. People without essential business are encouraged to access the session through the General Assembly website and Colorado Channel.  Anybody with essential business related to the session will be required to practice appropriate social distancing measures.