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Legislation watch
2013 Senate Bill 174: Mandate credit agency "security freeze”
Public Act 229 of 2013
Introduced by Sen. John Proos (R) on February 12, 2013
To require credit reporting agencies to honor a “security freeze” request made on behalf of a minor under age 16 or an incapacitated individual, which prohibits the release of information to a third party without prior express authorization from the consumer. The bill controls the prices the agencies may charge for this service. Official Text and Analysis.
Referred to the Senate Banking and Financial Institutions Committee on February 12, 2013
Reported in the Senate on October 8, 2013
With the recommendation that the substitute (S-2) be adopted and that the bill then pass.
Substitute offered in the Senate on October 10, 2013
To expand the scope of the proposed law to include all consumers, not just "protected" ones.
The substitute passed by voice vote in the Senate on October 10, 2013
To require credit reporting agencies to honor a “security freeze” request made by a consumer or on behalf of a minor under age 16 or an incapacitated individual, which prohibits the release of information to a third party without prior express authorization from the consumer. The bill controls the prices the agencies may charge for this service.
Received in the House on October 16, 2013
Referred to the House Financial Services Committee on October 16, 2013
Reported in the House on October 30, 2013
Without amendment and with the recommendation that the bill pass.
Received in the House on December 5, 2013
Amendment offered in the House on December 10, 2013
To correct a drafting error.
The amendment passed by voice vote in the House on December 10, 2013
Received in the Senate on December 11, 2013
To concur with the House-passed version of the bill.
Signed by Gov. Rick Snyder on December 21, 2013