Freeze identity thieves out of consumers’ credit files

State ID Theft Protection Bills that give consumers the option to place security freezes on their credit files

2007 Session

Security Freeze Bills

1. Alabama
a. SB 80
Prefiled

2. Alaska
a. SB 21-introduced by Senator Thierrault
http://www.legis.state.ak.us/basis/get_bill_text.asp?hsid=SB0021A&session=25

b. HB 31-introduced by Rep. Samuels
http://www.legis.state.ak.us/basis/get_bill_text.asp?hsid=HB0031A&session=25

c. HB 65-introduced by Rep. Coghill
http://www.legis.state.ak.us/basis/get_bill_text.asp?hsid=HB0065A&session=25

3. Arizona
a. HB 2327-introduced by Rep. McClure
http://www.azleg.gov/FormatDocument.asp?inDoc=/legtext/48leg/1r/bills/hb2327p.htm

reassigned as SB 1345

b. HB 2446-introduced by Rep. Lujan
http://www.azleg.gov/FormatDocument.asp?inDoc=/legtext/48leg/1r/bills/hb2446p.htm

4. Arkansas
a. HB 1038-introduced by Rep. Creekmore
http://www.arkleg.state.ar.us/ftproot/bills/2007/public/HB1038.pdf
"A technical amendment is needed to ensure that the freeze also covers
the credit score. The $10 fee is higher than the fees under the best state security
freeze laws.

Changed to HB 2215–*limited to ID theft victims only
http://www.arkleg.state.ar.us/ftproot/bills/2007/public/HB2215.pdf

5. Georgia
a. HB 38-introduced by Rep Teilhet
http://www.legis.state.ga.us/legis/2007_08/fulltext/hb38.htm

b. HB 35-introduced by Rep. Benton
http://www.legis.state.ga.us/legis/2007_08/fulltext/hb35.htm

"A technical amendment is needed to ensure that the freeze also covers
the credit score.

6. Hawaii
a. HB 1612-to expand to all consumers
" Moved to Senate-need to take out language requiring valid copy of report,
etc
http://www.capitol.hawaii.gov/sessioncurrent/Bills/HB1612_.htm

7. Indiana
a. HB 1082-introduced by Rep. Micon
http://www.in.gov/apps/lsa/session/billwatch/billinfo?year=2007&session=1&request=getBill&docno=1082

b. SB 403-introduced by Senator Dillon
http://www.in.gov/legislative/bills/2007/IN/IN0403.1.html

" A technical amendment is needed to ensure that the freeze also covers
the credit score. The $10 fee is higher than the fees under the best state security
freeze laws.

8. Kansas
HB 2474 -expands to consumers who rec’d NOB letter
http://www.kslegislature.org/bills/2008/2474.pdf

9. Maryland
a. SB 4 introduced by Senator Frosh
http://mlis.state.md.us/2007RS/bills/sb/sb0004f.pdf

" Changed to SB 52-problem with extra $5 fee for 15 minute temp lift

10. Michigan
a. HB 4103
" To House committee on Banking and FS (1/23/07)
http://www.legislature.mi.gov/documents/2007-2008/billintroduced/House/pdf/2007-HIB-4103.pdf

b. HB 4178
" To House committee on Banking and FS (1/30/07)
http://www.legislature.mi.gov/documents/2007-2008/billintroduced/House/htm/2007-HIB-4178.htm

c. SB 75
http://www.legislature.mi.gov/documents/2007-2008/billintroduced/Senate/pdf/2007-SIB-0075.pdf

11. Mississippi
a. SB 2089-introduced by Senator Tollison
http://www.mississippi.gov/frameset.jsp?URL=http://www.ls.state.ms.us/

(go to bill status, 2007 Regular Session (either HTML or PDF), under senate
click on List of measures by Author, click on Tollison, click on SB 2089)

b. HB 656-introduced by Rep. Guice
http://www.mississippi.gov/frameset.jsp?URL=http://www.ls.state.ms.us/

(same instructions as above, but click on House instead of Senate.)
" The $10 fee is higher than the fees under the best state security freeze
laws.
" Passed House, now in Senate

c. SB 3034-limited to ID theft victims only
" Passed Senate, now in House
http://www.mississippi.gov/frameset.jsp?URL=http://www.ls.state.ms.us/

(same instructions as above, but click on House instead of Senate.)

12. Missouri
a. HB 577-introduced by Rep. Cooper
http://www.house.mo.gov/bills071/bills/hb577.htm

b. HB 524-introduced by Rep. Levota
http://www.house.mo.gov/bills071/biltxt/intro/HB0524I.htm

13. Montana
a. SB 116-introduced by Sentator Bruggeman
http://data.opi.mt.gov/bills/2007/billpdf/SB0116.pdf

14. Nebraska
a. LB 190-introduced by Senator Mines
http://uniweb.legislature.ne.gov/FloorDocs/Current/PDF/Intro/LB190.pdf

15. New Mexico
a. SB 165
http://legis.state.nm.us/Sessions/07%20Regular/bills/house/HB0165.pdf

16. North Dakota
a. HB 1417-introduced by Rep. Koppelman
http://www.legis.nd.gov/assembly/60-2007/bill-text/HRDH0100.pdf

17. Ohio
a. HB 46
http://www.legislature.state.oh.us/bills.cfm?ID=127_HB_46

b. SB 6
http://www.legislature.state.oh.us/bills.cfm?ID=127_SB_6

18. Oregon
a. SB 583
http://www.leg.state.or.us/07reg/measpdf/sb0500.dir/sb0583.intro.pdf

19. South Carolina
a. SB 8-introduced by Senator Thomas
http://www.scstatehouse.net/sess117_2007-2008/bills/8.htm

" The $10 fee is higher than the fees under the best state security freeze
laws.

20. Tennessee
a. HB 24-introduced by Shepard
http://www.legislature.state.tn.us/bills/currentga/BILL/HB0024.pdf

b. SB 34-introduced by Jackson
http://www.legislature.state.tn.us/bills/currentga/BILL/SB0034.pdf
" A technical amendment is needed to ensure that the freeze also covers
the credit score. The $12 fee is higher than the fees under the best state security
freeze laws.
c. HB 200/SB 161
http://www.legislature.state.tn.us/bills/currentga/BILL/HB0200.pdf

21. Texas
a. SB 222-introduced by Senator Ellis
http://www.capitol.state.tx.us/tlodocs/80R/billtext/pdf/SB00222I.pdf
" Current Texas law enables victims of identity theft to place a security
freeze on their credit files. SB 222 extends that right to all consumers

22. Virginia
a. HB 3056-introduced by Rep. Callahan
http://leg1.state.va.us/cgi-bin/legp504.exe?ses=071&typ=bil&val=hb3056

" A technical amendment is needed to ensure that information derived from
a consumer’s credit report is also frozen such as a credit score.

b. HB 2963-introduced by Rep. Bell
http://leg1.state.va.us/cgi-bin/legp504.exe?ses=071&typ=bil&val=hb2963

" The $10 fee is higher than the fees under the best state security freeze
laws.

23. Washington
a. HB 1544-introduced by Rep. Wallace
http://apps.leg.wa.gov/billinfo/summary.aspx?bill=1544&year=2007

b. SB 5826 (substitute bill)
" Contains mortgage exemption
http://www.leg.wa.gov/pub/billinfo/2007-08/Pdf/Bills/Senate%20Bills/5826-S.pdf

c. HB 1755 (substitute bill)
http://www.leg.wa.gov/pub/billinfo/2007-08/Pdf/Bills/House%20Bills/1755-S.pdf

24. West. Virginia
c. SB 78-introduced by Senator Kessler (same as HB 2501)
http://www.legis.state.wv.us/Bill_Text_HTML/2007_SESSIONS/RS/BILLS/sb78%20intr.htm

d. HB 2728-introduced by
http://www.legis.state.wv.us/Bill_Text_HTML/2007_SESSIONS/RS/BILLS/hb2728%20intr.htm

e. SB 428 (substitute bill)
http://www.legis.state.wv.us/Bill_Text_HTML/2007_SESSIONS/RS/BILLS/SB428%20SUB1.htm

25. Wyoming
a. SB 53
" this legislation passed on 3/1/07 and will go into effect on 7/1/07.
http://legisweb.state.wy.us/2007/Enroll/SF0053.pdf

Please note this not a complete list of all state security freeze bills proposed
this year. Also, multiple states have proposed more than two bills. If you have
any questions about any security freeze bills, please contact Michelle Jun at
(415) 431-6747.