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State Security Freeze Laws
Identity theft is one of the fastest growing financial crimes. Nearly 10 million Americans fall victim each year, and the Identity Theft Resource Center reported in 2004, victims spent an average of 330 hours resolving problems as a result of identity theft and paid between $851 and $1378 in out of pocket expenses (excluding a median of $4000 per victim in lost wages in 2004). Identity theft also costs U.S. businesses nearly $48 billion annually, and consumers an additional $5 billion per year. California Applies to all consumers Effective Jan. 1, 2003, subsequently amended to cap fees on non-ID theft victims No fee for victims to place the freeze, others pay up to $10 per freeze Caps fee to lift freeze at $10 for temporary lifting for a time, $12 for temporary lift for one creditor California Civil Code sections 1785.11.2-1785.11.6. How to place your security freeze in California and a link to the text of the California statute, click here Colorado SB 05-137 Applies to all consumers Fees: No fee for first freeze; $10 to place a second freeze, $10 to lift, $12 for temporarily lift for one creditor Signed June 1, 2005 Effective date: July 1, 2006 Text of statute: click here For more information on the security freeze law in Colorado, click here Connecticut SB 650 Applies to all consumers Fees: $10 to place, lift, or lift temporarily, $12 to life for one creditor Effective date: Jan. 1, 2006 click here For more information on the security freeze law in Connecticut, see: click here Illinois HB 1058 Victims of ID theft only, with a police report or a complaint to a law enforcement agency No fees permitted Effective date: Jan 1, 2006 click here Kansas Victims of ID theft only, with a police, investigative report or complaint filed with a law enforcement agency No fees permitted Effective date: Jan 1, 2007 For more information on S.B. 196: click here Kentucky Applies to all consumers Fees: No fees on ID theft victims who provide a police report. Others pay up to $10 to place, remove, temporarily suspend, or have PIN reissued. Effective Date: July 1, 2006 Expires after 7 years from date of placement or upon consumer’s request, if earlier For more information on HB 54: click here Louisiana Applies to all consumers Fees: $10 to place, $8 to lift, no fees for ID theft victims or persons age 62 or older Effective date: July 1, 2005 Louisiana Statutes Annotated § 9.3571(H) to (Y) How to place your security freeze in Louisiana: click here Maine Applies to all consumers Fees: No fees on ID theft victims who provide a police report. Others pay up to $10 to place, remove, temporarily suspend, or have PIN reissued, and $12 to lift for a specific creditor. Effective date: Feb. 1, 2006. For more information on statute: click here Nevada Applies to all consumers Fees: No for ID theft victims who submit a police report, for others $15 to place, $18 to lift, $20 to lift for one creditor Effective date: October 1, 2005. For more information on statute: click here New Jersey Applies to all consumers Fees: No fee for initial freeze. Up to $5 to remove, temporarily lift or have PIN reissued. Consumers are also permitted to make such requests directly to consumer reporting agencies via secured electronic mail. Effective date: January 1, 2006 Text of statute: click here For more information on the security freeze law in New Jersey, see: click here How to place your security freeze in New Jersey: click here North Carolina Applies to all consumers No fees for ID theft victims with valid report/complaint with law enforcement agency. Up to $10 to place, remove, temporarily suspend. Effective date: December 1, 2005 For more information on statute: click here How to place your security freeze in North Carolina: click here South Dakota Applies to identity theft victims with a police report No fees, only freezes credit report, expires after 7 years from date of placement or upon consumer’s request, if earlier Effective date: July 1, 2006 Text of statute: click here Texas Applies to identity theft victims with a police report No fees Placement at one CRA must be honored by all Effective date: September 1, 2003 Texas Business & Commerce Code Ann. § 20.031 to 20.039 Text of statute (see Chapter 20, Section 031 - REQUESTING SECURITY ALERT from link below): click here Utah Applies to all consumers Reasonable fees Consumer can temporary lift or “thaw” freeze within 15 minutes of electronic request Effective date: September 1, 2008 Text of statute: click here Vermont Applies to identity theft victims with a police report or a complaint to a law enforcement agency No fees Effective date: July 1, 2005 Vermont Statutes Annotated, Title 9, Sections 2480a to 2480j Text of statute: click here How to place your security freeze in Vermont, see: click here Washington Applies to identity theft victims, including persons who receive a notice of a security breach of computerized personal information No fees Effective date: July 24, 2005 Chapter 342, Laws of 2005, to be codified at Sec. 19.182 RCW. Text of statute: click here How to place your security freeze in Washington, see: click here Wisconsin Applies to all consumers No fee for an "individual who submits evidence satisfactory to the CRAs that the individual made a report to a law enforcement agency. Up to $10 for others to place, thaw or remove freeze. Passed March 16, 2006. Effective Date: January 1, 2007 Text of Statute: click here For more information on security freezes, see the Model State Clean Credit and Identity Theft Protection Act, click here Updated 4/25/06 |
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