Business Services Industry
Identity theft and the case for a national credit report freeze law
North Carolina Banking Institute, March, 2008 by Kristan T. Cheng
States with Credit Freeze Laws that Apply ONLY to Identity Theft
Victims (100)
State Fee to Fee to Lift Fee to Lift
Freeze Temporarily Temporarily
to Specific
Creditors
Arkansas $10 $10 n/a
Kansas No fee No fee n/a
Mississippi $10 n/a n/a
(w/ valid
police report,
investigative
report or
complaint
filed
with law
enforcement)
South No fee No fee n/a
Dakota (w/
valid police
report)
Washington Currently $10 after n/a
(until 9/l/08) no fee for 9/1/08
victims
or
seniors.
State Fee to Length of
Remove Freeze
Permanently
Arkansas $10 Permanent
until
removal
Kansas No fee Permanent
until
removal
Mississippi n/a Permanent
(w/ valid until
police report, removal
investigative
report or
complaint
filed
with law
enforcement)
South No fee Expires
Dakota (w/ after 7
valid police years
report) from date
of freeze
Washington $10 Permanent
(until 9/l/08) until
removal
States with Credit Freeze Laws that Apply to ALL Consumers (101)
State Fee for ID Fee to Fee to Lift
Theft Freeze Tempor-
Victims? for other arily
Consumers
California $0 $10 $10
Louisiana $0 and no fee $10 $8
for 62 years
Nevada $0 w/ a police $15 $18
report
North $0 w/ valid $10 $10
Carolina report or
complaint w/
law enf.
agency
Connecticut n/a $10 $10
New Jersey $0 $0 $5
New York $0 $0 for the $5
first, $5 for a
second
Maine $0 w/ a police $10 $10
report
Colorado n/a No fee for $10
first freeze -
$10
for second
Florida $0 and no fee $10 $10
for 65 years
Vermont $0 $10 $5
Kentucky * $0 w/ police $10 $10
report
Minnesota $0 $5 $5
Delaware $0 $20 No fee
Indiana $0 $0 $0
New $0 w/ police $10 $10
Hampshire report,
investigative
report, or
complaint to
law
enf. agency
Oklahoma $0 $10 $10
Pennsylvania $0 and no
fee for
65 years
Rhode Island $0 or no fee $10 $10
for 65
years
Wisconsin $0 for $10 $10
individual
w/ evidence
satisfactory
to the
CRAs that
individual
made
report to a
law
enf. agency
Hawaii $0 $5 $5
District of $0 $10 No fee
Columbia
Montana $0 $3 $3
New Mexico $0 w/ copy $10 $5
of
police or
investigative
report and
no fee for 65
years
North Dakota $0 w/ valid $5 $5
copy of a
police report
or police
case number
or complaint
to law
enf. agency
Wyoming $0 $10 $10
West Virginia
Illinois $0 and no $10 $10
fee for 65
years
Nebraska * $0 $15 $0
Texas $0 $10 $10
Oregon $0 $10 $10
Maryland $0 w/ report $5 $5
of alleged
identity
fraud or w/
identity
theft
passport
Tennessee $0 $7.50 $0
Massachusetts $0 $5 $5
Utah "Reasonable
fees" will be
able to
temporarily
lift or
"thaw" the
freeze w/n
15 minutes
of electronic
request
State Fee to Lift Fee to
Tempor- Remove
arily to Perma-
Specific nently
Creditor
California $12 $10
Louisiana n/a $0
Nevada $20 $18
North n/a $10
Carolina
Connecticut $12 $10
New Jersey n/a $5
$5 to
have
PIN
reissued
New York n/a $5
Maine $12 $10
$10 to
have
PIN
reissued
Colorado $12 $10
Florida n/a $10
Vermont n/a $5
Kentucky * n/a $10
$10 to
have
PIN
reissued
Minnesota n/a $5
Delaware n/a No fee
Indiana $0 $0
New n/a $10
Hampshire
Oklahoma n/a $10
Pennsylvania
Rhode Island n/a $10
Wisconsin n/a $10
Hawaii n/a $5
District of n/a No fee
Columbia
Montana No fee
$5 to
have
PIN
reissued
New Mexico n/a $5
North Dakota n/a $0
Wyoming n/a $10
West Virginia
Illinois n/a $10
Nebraska * n/a $0
Texas $12 $l0
Oregon n/a $10
Maryland n/a $5
Tennessee n/a $5
Massachusetts n/a $5
Utah
* All of the above state credit freeze laws provide that the freeze
will remain permanent until removed by the consumer, except for
those states indicated by the * asterisk which provide that freezes
will automatically expire after 7 years unless renewed.
** States are in descending order from those that passed credit
freeze laws first to those which have passed legislation that comes
into effect within the next year.
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