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Consumer Report Security Freeze State Laws

Last updated:  April 17, 2013

Forty-eight states and the District of Columbia have enacted legislation allowing consumers to place "security freeze" on their credit reports. A consumer report security freezes limits a consumer reporting agency from releasing a credit report or any information from the report without authorization from the consumer. If a person suspects that he or she has been victimized by identity theft, a consumer report security freeze can help the person track whether an identity thief is using the person’s information to set up bogus accounts.

 

 

 State: Citation:   Who May Request a Freeze?
 Alabama  Ala. Code §8-35-1 et seq.  Any consumer
 Alaska

Alaska Stat. §45.48.100 et seq.

Any consumer
 Arizona

Ariz. Rev. Stat. Ann. §44-1698

  Any consumer
 Arkansas

Ark. Stat. Ann. §4-112-101 et seq.

  Any consumer
 California

Cal. Civil Code §1785.11.2 et seq. 

  Any consumer

Colorado

 Colo. Rev. Stat. §12-14.3-101 et seq.  Any consumer
 Connecticut

Conn. Gen. Stat. §36a-701 et seq. 

  Any consumer
 Delaware

Del. Code Ann. tit. 6, §2201 et seq. 

  Any consumer

District of Columbia

D.C. Code Ann. §28-3861 et seq. 

  Any consumer
 Florida

Fla. Stat. §501.005 

  Any consumer
 Georgia

Ga. Code §10-1-913 et seq.

  Any consumer residing in the state
 Hawaii

Hawaii Rev. Stat. §489P-1 et seq.

  Any consumer who is a resident of the state
 Idaho

Idaho Code §28-52-101 et seq.

  Any consumer
 Illinois

Ill. Rev. Stat. ch. 815, §505/2MM 

  Any consumer
 Indiana

Ind. Code §24-5-24-1 et seq. 

  Any consumer
 Iowa

Iowa Code §714F.1 et seq. 

  Any consumer who is a resident of the state
 Kansas

Kan. Stat. Ann. §50-701 et seq.

  Any consumer
 Kentucky

Ky. Rev. Stat. §367.363 et seq.

  Any consumer
 Louisiana

La. Rev. Stat. Ann. §9:3571.1 

  Any consumer
 Maine

Me. Rev. Stat. Ann. tit. 10, §1311 et seq.

  A victim of identity theft or a consumer
 Maryland

Md. Commercial Code Ann. §1212.1 et seq.

  Any consumer, including a representative for a minor under 16, an incapacitated person or a guardian or conservator in the case of a protected person.
 Massachusetts

Mass. Gen. Laws. Ann. ch. 93, §50 et seq.

  Any consumer
 Minnesota

Minn. Stat. §13C.016 et seq. 

  Any consumer
 Mississippi

Miss. Code Ann. §75-24-201 et seq.

  Identity theft victim only
 Missouri  Mo. Rev. Stat. §407.1380 et seq.  Any consumer
 Montana

Mont. Code Ann. §30-14-1726 et seq. 

  Any consumer, including a parent or guardian in the case of a minor or of an incapacitated person, or a conservator in the case of a protected person.
 Nebraska

Neb. Rev. Stat. §8-2601 et seq.

  Any consumer, including a minor at the request of a parent or custodial parent or guardian if appointed.
 Nevada

Nev. Rev. Stat. §598C.010 et seq. 

  Any consumer
 New Hampshire

N.H. Rev. Stat. Ann. §359-B:22 et seq. 

  Any consumer
 New Jersey

N.J. Rev. Stat. §56:11-30 et seq. 

  Any consumer 
 New Mexico

N.M. Stat. Ann. §56-3A-1 et seq.

  Any consumer
 New York

N.Y. General Business Law §380-a et seq. 

  Any consumer
 North Carolina

N.C. Gen. Stat. §75-60 et seq. 

  Any consumer
 North Dakota

N.D. Cent. Code §51-33-01 et seq. 

  Any consumer
 Ohio

Ohio Rev. Code Ann. §1349.52 et seq.

  Any consumer
 Oklahoma

Okla. Stat. tit. 24, §149 

  Any consumer
 Oregon

Or. Rev. Stat. §646A.600 et seq.

  Any consumer
 Pennsylvania

Pa. Stat. tit. 73, §2501 et seq. 

  Any consumer
 Rhode Island

R.I. Gen. Laws §6-48-1 et seq. 

  Any consumer
 South Carolina

S.C. Code Ann. §37-20-110 et seq.

  Any consumer
 South Dakota

S.D. Codified Laws Ann. §54-15-1 et seq. 

  Identity theft victim only
 Tennessee

Tenn. Code §47-18-2101 et seq.

  Any consumer
 Texas

Tex. Business & Commerce Code Ann. §20.01 et seq.

  Any consumer
 Utah

Utah Code Ann. §13-42-101 et seq.

  A victim of identity theft or a consumer
 Vermont

Vt. Stat. Ann. tit. 9, §2480a et seq. 

  Any consumer
 Virginia

Va. Code §59.1-444.1 et seq. 

  Any consumer who is a resident of the state
 Washington

Wash. Rev. Code §19.182.170 et seq. 

  Any consumer who is a resident of the state
 West Virginia

W. Va. Code §46A-6L-101 et seq. 

  Any consumer
 Wisconsin

Wis. Stat. §100.54 et seq. 

  A victim of identity theft or a consumer
 Wyoming

Wyo. Stat. §40-12-501 et seq.

  Any consumer

Total: 49 states and the District of Columbia

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