source:
  type: regulation
  id: fcra-15usc-1681c-1
  authority: 15 U.S.C. §1681c-1 — Identity theft prevention; fraud alerts and active duty alerts
  description: 'Establishes the consumer''s right to place initial, extended, and

    active-duty fraud alerts (and security freezes) on their file at

    a nationwide CRA, and imposes downstream verification duties on

    prospective users of a consumer report (including [LENDER]) when

    such an alert appears.

    '
obligations:
- id: fcra-15usc-1681c-1-a
  canonical_id: fcra-15usc-1681c-1-a
  section: 15 U.S.C. §1681c(a)
  description: '(a): (a) One-call fraud alerts (1) Initial alerts Upon the direct request of a consumer
    , or an individual acting on behalf of or as a personal representative of a consumer , who asserts
    in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related
    crime, includi…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (a) One-call fraud alerts (1) Initial alerts Upon the direct request of a consumer
      , or an individual acting on behalf of or as a personal representative of a consumer , who asserts
      in good faith a suspicion that the consumer has been or is about to become a victim of fraud or
      related crime, including identity theft , a consumer reporting agency described in section 1681a(p)
      of this title that maintains a file on the consumer and has received appropriate proof of the identity
      of the requester shall— (A) include a fraud alert in the file of that consumer, and also provide
      that alert along with any credit score generated in using that file, for a period of not less than
      1 year, beginning on the date of such request, unless the consumer or such representative requests
      that such fraud alert be removed before the end of such period, and the agency has received appropriate
      proof of the identity of the requester for such purpose; and (B) refer the information regarding
      the fraud alert under this paragraph to each of the other consumer reporting agencies described
      in section 1681a(p) of this title , in accordance with procedures developed under section 1681s(f)
      of this title . (2) Access to free reports In any case in which a consumer reporting agency includes
      a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency
      shall— (A) disclose to the consumer that the consumer may request a free copy of the file of the
      consumer pursuant to section 1681j(d) of this title ; and (B) provide to the consumer all disclosures
      required to be made under section 1681g of this title , without charge to the consumer, not later
      than 3 business days after any request described in subparagraph (A).
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-b
  canonical_id: fcra-15usc-1681c-1-b
  section: 15 U.S.C. §1681c(b)
  description: '(b): (b) Extended alerts (1) In general Upon the direct request of a consumer , or an
    individual acting on behalf of or as a personal representative of a consumer , who submits an identity
    theft report to a consumer reporting agency described in section 1681a(p) of this title that maintains
    a file on the…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (b) Extended alerts (1) In general Upon the direct request of a consumer , or an
      individual acting on behalf of or as a personal representative of a consumer , who submits an identity
      theft report to a consumer reporting agency described in section 1681a(p) of this title that maintains
      a file on the consumer, if the agency has received appropriate proof of the identity of the requester,
      the agency shall— (A) include a fraud alert in the file of that consumer, and also provide that
      alert along with any credit score generated in using that file, during the 7-year period beginning
      on the date of such request, unless the consumer or such representative requests that such fraud
      alert be removed before the end of such period and the agency has received appropriate proof of
      the identity of the requester for such purpose; (B) during the 5-year period beginning on the date
      of such request, exclude the consumer from any list of consumers prepared by the consumer reporting
      agency and provided to any third party to offer credit or insurance to the consumer as part of a
      transaction that was not initiated by the consumer, unless the consumer or such representative requests
      that such exclusion be rescinded before the end of such period; and (C) refer the information regarding
      the extended fraud alert under this paragraph to each of the other consumer reporting agencies described
      in section 1681a(p) of this title , in accordance with procedures developed under section 1681s(f)
      of this title . (2) Access to free reports In any case in which a consumer reporting agency includes
      a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency
      shall— (A) disclose to the consumer that the consumer may request 2 free copies of the file of the
      consumer pursuant to section 1681j(d) of this title during the 12-month period beginning on the
      date on which the fraud alert was included in the file; and (B) provide to the consumer all disclosures
      required to be made under section 1681g of this title , without charge to the consumer, not later
      than 3 business days after any request described in subparagraph (A).
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-c
  canonical_id: fcra-15usc-1681c-1-c
  section: 15 U.S.C. §1681c(c)
  description: '(c): (c) Active duty alerts Upon the direct request of an active duty military consumer
    , or an individual acting on behalf of or as a personal representative of an active duty military
    consumer , a consumer reporting agency described in section 1681a(p) of this title that maintains
    a file on the active …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (c) Active duty alerts Upon the direct request of an active duty military consumer
      , or an individual acting on behalf of or as a personal representative of an active duty military
      consumer , a consumer reporting agency described in section 1681a(p) of this title that maintains
      a file on the active duty military consumer and has received appropriate proof of the identity of
      the requester shall— (1) include an active duty alert in the file of that active duty military consumer
      , and also provide that alert along with any credit score generated in using that file, during a
      period of not less than 12 months, or such longer period as the Bureau shall determine, by regulation,
      beginning on the date of the request, unless the active duty military consumer or such representative
      requests that such fraud alert be removed before the end of such period, and the agency has received
      appropriate proof of the identity of the requester for such purpose; (2) during the 2-year period
      beginning on the date of such request, exclude the active duty military consumer from any list of
      consumers prepared by the consumer reporting agency and provided to any third party to offer credit
      or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless
      the consumer requests that such exclusion be rescinded before the end of such period; and (3) refer
      the information regarding the active duty alert to each of the other consumer reporting agencies
      described in section 1681a(p) of this title , in accordance with procedures developed under section
      1681s(f) of this title .
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-d
  canonical_id: fcra-15usc-1681c-1-d
  section: 15 U.S.C. §1681c(d)
  description: '(d): (d) Procedures Each consumer reporting agency described in section 1681a(p) of this
    title shall establish policies and procedures to comply with this section, including procedures that
    inform consumers of the availability of initial, extended, and active duty alerts and procedures that
    allow consume…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (d) Procedures Each consumer reporting agency described in section 1681a(p) of this
      title shall establish policies and procedures to comply with this section, including procedures
      that inform consumers of the availability of initial, extended, and active duty alerts and procedures
      that allow consumers and active duty military consumers to request initial, extended, or active
      duty alerts (as applicable) in a simple and easy manner, including by telephone.
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-e
  canonical_id: fcra-15usc-1681c-1-e
  section: 15 U.S.C. §1681c(e)
  description: '(e): (e) Referrals of alerts Each consumer reporting agency described in section 1681a(p)
    of this title that receives a referral of a fraud alert or active duty alert from another consumer
    reporting agency pursuant to this section shall, as though the agency received the request from the
    consumer directl…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (e) Referrals of alerts Each consumer reporting agency described in section 1681a(p)
      of this title that receives a referral of a fraud alert or active duty alert from another consumer
      reporting agency pursuant to this section shall, as though the agency received the request from
      the consumer directly, follow the procedures required under— (1) paragraphs (1)(A) and (2) of subsection
      (a), in the case of a referral under subsection (a)(1)(B); (2) paragraphs (1)(A), (1)(B), and (2)
      of subsection (b), in the case of a referral under subsection (b)(1)(C); and (3) paragraphs (1)
      and (2) of subsection (c), in the case of a referral under subsection (c)(3).
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-f
  canonical_id: fcra-15usc-1681c-1-f
  section: 15 U.S.C. §1681c(f)
  description: '(f): (f) Duty of reseller to reconvey alert A reseller shall include in its report any
    fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another
    consumer reporting agency .'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (f) Duty of reseller to reconvey alert A reseller shall include in its report any
      fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another
      consumer reporting agency .
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-g
  canonical_id: fcra-15usc-1681c-1-g
  section: 15 U.S.C. §1681c(g)
  description: '(g): (g) Duty of other consumer reporting agencies to provide contact information If a
    consumer contacts any consumer reporting agency that is not described in section 1681a(p) of this
    title to communicate a suspicion that the consumer has been or is about to become a victim of fraud
    or related crime, in…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (g) Duty of other consumer reporting agencies to provide contact information If a
      consumer contacts any consumer reporting agency that is not described in section 1681a(p) of this
      title to communicate a suspicion that the consumer has been or is about to become a victim of fraud
      or related crime, including identity theft, the agency shall provide information to the consumer
      on how to contact the Bureau and the consumer reporting agencies described in section 1681a(p) of
      this title to obtain more detailed information and request alerts under this section.
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-h
  canonical_id: fcra-15usc-1681c-1-h
  section: 15 U.S.C. §1681c(h)
  description: '(h): (h) Limitations on use of information for credit extensions (1) Requirements for
    initial and active duty alerts (A) Notification Each initial fraud alert and active duty alert under
    this section shall include information that notifies all prospective users of a consumer report on
    the consumer to whi…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (h) Limitations on use of information for credit extensions (1) Requirements for
      initial and active duty alerts (A) Notification Each initial fraud alert and active duty alert under
      this section shall include information that notifies all prospective users of a consumer report
      on the consumer to which the alert relates that the consumer does not authorize the establishment
      of any new credit plan or extension of credit, other than under an open-end credit plan (as defined
      in section 1602(i) [1] of this title), in the name of the consumer, or issuance of an additional
      card on an existing credit account requested by a consumer, or any increase in credit limit on an
      existing credit account requested by a consumer, except in accordance with subparagraph (B). (B)
      Limitation on users
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) In general No prospective user of a consumer report that includes an initial
    fraud alert or an active duty alert in accordance with this section may establish a new credit plan
    or extension of credit, other than under an open-end credit plan (as defined in section 1602(i) 1
    of this title), in th…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) In general No prospective user of a consumer report that includes an initial
      fraud alert or an active duty alert in accordance with this section may establish a new credit plan
      or extension of credit, other than under an open-end credit plan (as defined in section 1602(i)
      1 of this title), in the name of the consumer, or issue an additional card on an existing credit
      account requested by a consumer, or grant any increase in credit limit on an existing credit account
      requested by a consumer, unless the user utilizes reasonable policies and procedures to form a reasonable
      belief that the user knows the identity of the person making the request. (ii) Verification If a
      consumer requesting the alert has specified a telephone number to be used for identity verification
      purposes, before authorizing any new credit plan or extension described in clause (i) in the name
      of such consumer, a user of such consumer report shall contact the consumer using that telephone
      number or take reasonable steps to verify the consumer’ s identity and confirm that the application
      for a new credit plan is not the result of identity theft. (2) Requirements for extended alerts
      (A) Notification Each extended alert under this section shall include information that provides
      all prospective users of a consumer report relating to a consumer with—
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) notification that the consumer does not authorize the establishment of any new
    credit plan or extension of credit described in clause (i), other than under an open-end credit plan
    (as defined in section 1602(i) 1 of this title), in the name of the consumer, or issuance of an additional
    card on a…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) notification that the consumer does not authorize the establishment of any new
      credit plan or extension of credit described in clause (i), other than under an open-end credit
      plan (as defined in section 1602(i) 1 of this title), in the name of the consumer, or issuance of
      an additional card on an existing credit account requested by a consumer, or any increase in credit
      limit on an existing credit account requested by a consumer, except in accordance with subparagraph
      (B); and (ii) a telephone number or other reasonable contact method designated by the consumer .
      (B) Limitation on users No prospective user of a consumer report or of a credit score generated
      using the information in the file of a consumer that includes an extended fraud alert in accordance
      with this section may establish a new credit plan or extension of credit, other than under an open-end
      credit plan (as defined in section 1602(i) 1 of this title), in the name of the consumer, or issue
      an additional card on an existing credit account requested by a consumer, or any increase in credit
      limit on an existing credit account requested by a consumer, unless the user contacts the consumer
      in person or using the contact method described in subparagraph (A)(ii) to confirm that the application
      for a new credit plan or increase in credit limit, or request for an additional card is not the
      result of identity theft.
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) National security freeze (1) Definitions For purposes of this subsection: (A)
    The term “ consumer reporting agency ” means a consumer reporting agency described in section 1681a(p)
    of this title . (B) The term “ proper identification ” has the meaning of such term as used under
    section 1681h of …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: '(i) National security freeze (1) Definitions For purposes of this subsection: (A)
      The term “ consumer reporting agency ” means a consumer reporting agency described in section 1681a(p)
      of this title . (B) The term “ proper identification ” has the meaning of such term as used under
      section 1681h of this title . (C) The term “ security freeze ” means a restriction that prohibits
      a consumer reporting agency from disclosing the contents of a consumer report that is subject to
      such security freeze to any person requesting the consumer report. (2) Placement of security freeze
      (A) In general Upon receiving a direct request from a consumer that a consumer reporting agency
      place a security freeze, and upon receiving proper identification from the consumer, the consumer
      reporting agency shall, free of charge, place the security freeze not later than—'
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) in the case of a request that is by toll-free telephone or secure electronic
    means, 1 business day after receiving the request directly from the consumer ; or (ii) in the case
    of a request that is by mail, 3 business days after receiving the request directly from the consumer
    . (B) Confirmation …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) in the case of a request that is by toll-free telephone or secure electronic
      means, 1 business day after receiving the request directly from the consumer ; or (ii) in the case
      of a request that is by mail, 3 business days after receiving the request directly from the consumer
      . (B) Confirmation and additional information Not later than 5 business days after placing a security
      freeze under subparagraph (A), a consumer reporting agency shall—
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) send confirmation of the placement to the consumer ; and (ii) inform the consumer
    of— (I) the process by which the consumer may remove the security freeze , including a mechanism to
    authenticate the consumer; and (II) the consumer ’s right described in section 1681m(d)(1)(D) of this
    title . (C) …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: '(i) send confirmation of the placement to the consumer ; and (ii) inform the consumer
      of— (I) the process by which the consumer may remove the security freeze , including a mechanism
      to authenticate the consumer; and (II) the consumer ’s right described in section 1681m(d)(1)(D)
      of this title . (C) Notice to third parties A consumer reporting agency may advise a third party
      that a security freeze has been placed with respect to a consumer under subparagraph (A). (3) Removal
      of security freeze (A) In general A consumer reporting agency shall remove a security freeze placed
      on the consumer report of a consumer only in the following cases:'
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) Upon the direct request of the consumer . (ii) The security freeze was placed
    due to a material misrepresentation of fact by the consumer. (B) Notice if removal not by request
    If a consumer reporting agency removes a security freeze under subparagraph (A)(ii), the consumer
    reporting agency shall…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) Upon the direct request of the consumer . (ii) The security freeze was placed
      due to a material misrepresentation of fact by the consumer. (B) Notice if removal not by request
      If a consumer reporting agency removes a security freeze under subparagraph (A)(ii), the consumer
      reporting agency shall notify the consumer in writing prior to removing the security freeze. (C)
      Removal of security freeze by consumer request Except as provided in subparagraph (A)(ii), a security
      freeze shall remain in place until the consumer directly requests that the security freeze be removed.
      Upon receiving a direct request from a consumer that a consumer reporting agency remove a security
      freeze, and upon receiving proper identification from the consumer, the consumer reporting agency
      shall, free of charge, remove the security freeze not later than—
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) in the case of a request that is by toll-free telephone or secure electronic
    means, 1 hour after receiving the request for removal; or (ii) in the case of a request that is by
    mail, 3 business days after receiving the request for removal. (D) Third-party requests If a third
    party requests access…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: '(i) in the case of a request that is by toll-free telephone or secure electronic
      means, 1 hour after receiving the request for removal; or (ii) in the case of a request that is
      by mail, 3 business days after receiving the request for removal. (D) Third-party requests If a
      third party requests access to a consumer report of a consumer with respect to which a security
      freeze is in effect, where such request is in connection with an application for credit, and the
      consumer does not allow such consumer report to be accessed, the third party may treat the application
      as incomplete. (E) Temporary removal of security freeze Upon receiving a direct request from a consumer
      under subparagraph (A)(i), if the consumer requests a temporary removal of a security freeze , the
      consumer reporting agency shall, in accordance with subparagraph (C), remove the security freeze
      for the period of time specified by the consumer. (4) Exceptions A security freeze shall not apply
      to the making of a consumer report for use of the following: (A) A person or entity, or a subsidiary,
      affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the
      consumer to that person or entity, or a prospective assignee of a financial obligation owed by the
      consumer to that person or entity in conjunction with the proposed purchase of the financial obligation,
      with which the consumer has or had prior to assignment an account or contract including a demand
      deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing
      the account or collecting the financial obligation owed for the account, contract, or negotiable
      instrument. For purposes of this subparagraph, “ reviewing the account ” includes activities related
      to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
      (B) Any Federal, State , or local agency, law enforcement agency, trial court, or private collection
      agency acting pursuant to a court order, warrant, or subpoena. (C) A child support agency acting
      pursuant to part D of title IV of the Social Security Act ( 42 U.S.C. 651 et seq.). (D) A Federal
      agency or a State or its agents or assigns acting to investigate fraud or acting to investigate
      or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities,
      provided such responsibilities are consistent with a permissible purpose under section 1681b of
      this title . (E) By a person using credit information for the purposes described under section 1681b(c)
      of this title . (F) Any person or entity administering a credit file monitoring subscription or
      similar service to which the consumer has subscribed. (G) Any person or entity for the purpose of
      providing a consumer with a copy of the consumer ’s consumer report or credit score, upon the request
      of the consumer. (H) Any person using the information in connection with the underwriting of insurance.
      (I) Any person using the information for employment, tenant, or background screening purposes. (J)
      Any person using the information for assessing, verifying, or authenticating a consumer ’s identity
      for purposes other than the granting of credit, or for investigating or preventing actual or potential
      fraud. (5) Notice of rights At any time a consumer is required to receive a summary of rights required
      under section 1681g of this title , the following notice shall be included: “ Consumers Have the
      Right To Obtain a Security Freeze “You have a right to place a ‘ security freeze ’ on your credit
      report, which will prohibit a consumer reporting agency from releasing information in your credit
      report without your express authorization. The security freeze is designed to prevent credit, loans,
      and services from being approved in your name without your consent. However, you should be aware
      that using a security freeze to take control over who gets access to the personal and financial
      information in your credit report may delay, interfere with, or prohibit the timely approval of
      any subsequent request or application you make regarding a new loan, credit, mortgage, or any other
      account involving the extension of credit. “As an alternative to a security freeze , you have the
      right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud
      alert is a 1-year alert that is placed on a consumer’ s credit file. Upon seeing a fraud alert display
      on a consumer’ s credit file, a business is required to take steps to verify the consumer’ s identity
      before extending new credit. If you are a victim of identity theft, you are entitled to an extended
      fraud alert, which is a fraud alert lasting 7 years. “A security freeze does not apply to a person
      or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with
      which you have an existing account that requests information in your credit report for the purposes
      of reviewing or collecting the account. Reviewing the account includes activities related to account
      maintenance, monitoring, credit line increases, and account upgrades and enhancements.”. (6) Webpage
      (A) Consumer reporting agencies A consumer reporting agency shall establish a webpage that—'
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) allows a consumer to request a security freeze ; (ii) allows a consumer to request
    an initial fraud alert ; (iii) allows a consumer to request an extended fraud alert ; (iv) allows
    a consumer to request an active duty fraud alert ;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) allows a consumer to request a security freeze ; (ii) allows a consumer to request
      an initial fraud alert ; (iii) allows a consumer to request an extended fraud alert ; (iv) allows
      a consumer to request an active duty fraud alert ;
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-v
  canonical_id: fcra-15usc-1681c-1-v
  section: 15 U.S.C. §1681c(v)
  description: '(v): (v) allows a consumer to opt-out of the use of information in a consumer report to
    send the consumer a solicitation of credit or insurance, in accordance with section 1681m(d) of this
    title ; and (vi) shall not be the only mechanism by which a consumer may request a security freeze
    . (B) FTC The Fed…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (v) allows a consumer to opt-out of the use of information in a consumer report to
      send the consumer a solicitation of credit or insurance, in accordance with section 1681m(d) of
      this title ; and (vi) shall not be the only mechanism by which a consumer may request a security
      freeze . (B) FTC The Federal Trade Commission shall establish a single webpage that includes a link
      to each webpage established under subparagraph (A) within the Federal Trade Commission ’s website
      www.Identitytheft.gov, or a successor website.
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-j
  canonical_id: fcra-15usc-1681c-1-j
  section: 15 U.S.C. §1681c(j)
  description: '(j): (j) National protection for files and credit records of protected consumers (1) Definitions
    As used in this subsection: (A) The term “ consumer reporting agency ” means a consumer reporting
    agency described in section 1681a(p) of this title . (B) The term “ protected consumer ” means an
    individual w…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: '(j) National protection for files and credit records of protected consumers (1)
      Definitions As used in this subsection: (A) The term “ consumer reporting agency ” means a consumer
      reporting agency described in section 1681a(p) of this title . (B) The term “ protected consumer
      ” means an individual who is—'
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) under the age of 16 years at the time a request for the placement of a security
    freeze is made; or (ii) an incapacitated person or a protected person for whom a guardian or conservator
    has been appointed. (C) The term “ protected consumer’s representative ” means a person who provides
    to a consu…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) under the age of 16 years at the time a request for the placement of a security
      freeze is made; or (ii) an incapacitated person or a protected person for whom a guardian or conservator
      has been appointed. (C) The term “ protected consumer’s representative ” means a person who provides
      to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.
      (D) The term “ record ” means a compilation of information that—
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) identifies a protected consumer ; (ii) is created by a consumer reporting agency
    solely for the purpose of complying with this subsection; and (iii) may not be created or used to
    consider the protected consumer ’s credit worthiness, credit standing, credit capacity, character,
    general reputation…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) identifies a protected consumer ; (ii) is created by a consumer reporting agency
      solely for the purpose of complying with this subsection; and (iii) may not be created or used to
      consider the protected consumer ’s credit worthiness, credit standing, credit capacity, character,
      general reputation, personal characteristics, or mode of living. (E) The term “ security freeze
      ” means a restriction that prohibits a consumer reporting agency from disclosing the contents of
      a consumer report that is the subject of such security freeze or, in the case of a protected consumer
      for whom the consumer reporting agency does not have a file, a record that is subject to such security
      freeze to any person requesting the consumer report for the purpose of opening a new account involving
      the extension of credit. (F) The term “ sufficient proof of authority ” means documentation that
      shows a protected consumer’s representative has authority to act on behalf of a protected consumer
      and includes—
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) an order issued by a court of law; (ii) a lawfully executed and valid power of
    attorney; (iii) a document issued by a Federal, State , or local government agency in the United States
    showing proof of parentage, including a birth certificate; or (iv) with respect to a protected consumer
    who has b…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) an order issued by a court of law; (ii) a lawfully executed and valid power of
      attorney; (iii) a document issued by a Federal, State , or local government agency in the United
      States showing proof of parentage, including a birth certificate; or (iv) with respect to a protected
      consumer who has been placed in a foster care setting, a written communication from a county welfare
      department or its agent or designee, or a county probation department or its agent or designee,
      certifying that the protected consumer is in a foster care setting under its jurisdiction. (G) The
      term “ sufficient proof of identification ” means information or documentation that identifies a
      protected consumer and a protected consumer’s representative and includes—
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) a social security number or a copy of a social security card issued by the Social
    Security Administration ; (ii) a certified or official copy of a birth certificate issued by the entity
    authorized to issue the birth certificate; or (iii) a copy of a driver’s license, an identification
    card issue…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) a social security number or a copy of a social security card issued by the Social
      Security Administration ; (ii) a certified or official copy of a birth certificate issued by the
      entity authorized to issue the birth certificate; or (iii) a copy of a driver’s license, an identification
      card issued by the motor vehicle administration, or any other government issued identification.
      (2) Placement of security freeze for a protected consumer (A) In general Upon receiving a direct
      request from a protected consumer’s representative that a consumer reporting agency place a security
      freeze, and upon receiving sufficient proof of identification and sufficient proof of authority,
      the consumer reporting agency shall, free of charge, place the security freeze not later than—
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) in the case of a request that is by toll-free telephone or secure electronic
    means, 1 business day after receiving the request directly from the protected consumer’s representative
    ; or (ii) in the case of a request that is by mail, 3 business days after receiving the request directly
    from the p…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) in the case of a request that is by toll-free telephone or secure electronic
      means, 1 business day after receiving the request directly from the protected consumer’s representative
      ; or (ii) in the case of a request that is by mail, 3 business days after receiving the request
      directly from the protected consumer’s representative . (B) Confirmation and additional information
      Not later than 5 business days after placing a security freeze under subparagraph (A), a consumer
      reporting agency shall—
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) send confirmation of the placement to the protected consumer’s representative
    ; and (ii) inform the protected consumer’s representative of the process by which the protected consumer
    may remove the security freeze, including a mechanism to authenticate the protected consumer’s representative
    . (…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: '(i) send confirmation of the placement to the protected consumer’s representative
      ; and (ii) inform the protected consumer’s representative of the process by which the protected
      consumer may remove the security freeze, including a mechanism to authenticate the protected consumer’s
      representative . (C) Creation of file If a consumer reporting agency does not have a file pertaining
      to a protected consumer when the consumer reporting agency receives a direct request under subparagraph
      (A), the consumer reporting agency shall create a record for the protected consumer. (3) Prohibition
      on release of record or file of protected consumer After a security freeze has been placed under
      paragraph (2)(A), and unless the security freeze is removed in accordance with this subsection,
      a consumer reporting agency may not release the protected consumer’ s consumer report, any information
      derived from the protected consumer’ s consumer report, or any record created for the protected
      consumer. (4) Removal of a protected consumer security freeze (A) In general A consumer reporting
      agency shall remove a security freeze placed on the consumer report of a protected consumer only
      in the following cases:'
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) Upon the direct request of the protected consumer’s representative . (ii) Upon
    the direct request of the protected consumer , if the protected consumer is not under the age of 16
    years at the time of the request. (iii) The security freeze was placed due to a material misrepresentation
    of fact by…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) Upon the direct request of the protected consumer’s representative . (ii) Upon
      the direct request of the protected consumer , if the protected consumer is not under the age of
      16 years at the time of the request. (iii) The security freeze was placed due to a material misrepresentation
      of fact by the protected consumer’s representative . (B) Notice if removal not by request If a consumer
      reporting agency removes a security freeze under subparagraph (A)(iii), the consumer reporting agency
      shall notify the protected consumer’s representative in writing prior to removing the security freeze.
      (C) Removal of freeze by request Except as provided in subparagraph (A)(iii), a security freeze
      shall remain in place until a protected consumer’s representative or protected consumer described
      in subparagraph (A)(ii) directly requests that the security freeze be removed. Upon receiving a
      direct request from the protected consumer’s representative or protected consumer described in subparagraph
      (A)(ii) that a consumer reporting agency remove a security freeze, and upon receiving sufficient
      proof of identification and sufficient proof of authority, the consumer reporting agency shall,
      free of charge, remove the security freeze not later than—
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-i
  canonical_id: fcra-15usc-1681c-1-i
  section: 15 U.S.C. §1681c(i)
  description: '(i): (i) in the case of a request that is by toll-free telephone or secure electronic
    means, 1 hour after receiving the request for removal; or (ii) in the case of a request that is by
    mail, 3 business days after receiving the request for removal. (D) Temporary removal of security freeze
    Upon receiving a…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: (i) in the case of a request that is by toll-free telephone or secure electronic
      means, 1 hour after receiving the request for removal; or (ii) in the case of a request that is
      by mail, 3 business days after receiving the request for removal. (D) Temporary removal of security
      freeze Upon receiving a direct request from a protected consumer or a protected consumer’s representative
      under subparagraph (A)(i), if the protected consumer or protected consumer’s representative requests
      a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with
      subparagraph (C), remove the security freeze for the period of time specified by the protected consumer
      or protected consumer’s representative .
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681c-1-k
  canonical_id: fcra-15usc-1681c-1-k
  section: 15 U.S.C. §1681c(k)
  description: '(k): (k) Credit monitoring (1) Definitions In this subsection: (A) The term “ active duty
    military consumer ” includes a member of the National Guard. (B) The term “ National Guard ” has the
    meaning given the term in section 101(c) of title 10 . (2) Credit monitoring A consumer reporting
    agency described…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 15 U.S.C. §1681c-1(h)(1)(B)(i)
    source_class: fcra-statute
    source_url: https://www.law.cornell.edu/uscode/text/15/1681c-1
    snapshot_id: 384c73dad3c4f199
    fetched_at: '2026-05-22T18:51:45Z'
    content_hash: sha256:18c93e60076f678a6a21fdaa3125352c93bdbddc9fbb8cc1874bd2917d9bd81c
    paragraph_quote: '(k) Credit monitoring (1) Definitions In this subsection: (A) The term “ active
      duty military consumer ” includes a member of the National Guard. (B) The term “ National Guard
      ” has the meaning given the term in section 101(c) of title 10 . (2) Credit monitoring A consumer
      reporting agency described in section 1681a(p) of this title shall provide a free electronic credit
      monitoring service that, at a minimum, notifies a consumer of material additions or modifications
      to the file of the consumer at the consumer reporting agency to any consumer who provides to the
      consumer reporting agency— (A) appropriate proof that the consumer is an active duty military consumer
      ; and (B) contact information of the consumer . (3) Rulemaking Not later than 1 year after May 24,
      2018 , the Federal Trade Commission shall promulgate regulations regarding the requirements of this
      subsection, which shall at a minimum include— (A) a definition of an electronic credit monitoring
      service and material additions or modifications to the file of a consumer ; and (B) what constitutes
      appropriate proof. (4) Applicability (A) Sections 1681n and 1681o of this title shall not apply
      to any violation of this subsection. (B) This subsection shall be enforced exclusively under section
      1681s of this title by the Federal agencies and Federal and State officials identified in that section.
      ( Pub. L. 90–321, title VI, § 605A , as added Pub. L. 108–159, title I, § 112(a) , Dec. 4, 2003
      , 117 Stat. 1955 ; amended Pub. L. 111–203, title X, § 1088(a)(2)(C) , July 21, 2010 , 124 Stat.
      2087 ; Pub. L. 115–174, title III , §§ 301(a), 302(d)(1), May 24, 2018 , 132 Stat. 1326 , 1334.)
      [1] See References in Text note below.'
    drafter_attestation: Verbatim subsection of 15 U.S.C. §1681c from Cornell LII snapshot 384c73dad3c4f199;
      body isolated between nav and notes; substring-verified.
  judgment: false
