Protect Children from Theft Act of 2017

Summary

Protect Children from Theft Act of 2017 This bill amends the Fair Credit Reporting Act to require a consumer reporting agency, upon request by the legal guardian or custodian of a minor consumer, to either create a blocked credit report for the minor or convert the minor's existing report to blocked status. With respect to a minor's blocked report, a consumer reporting agency: (1) must block the input of any information, except with permission from the minor's legal guardian or custodian; and (2) may not provide any person with a consumer report of the minor. A consumer reporting agency shall: (1) upon request by a minor's legal guardian or custodian, or on the minor's 18th birthday, unblock the minor's blocked report; and (2) if a minor consumer was a victim of fraud or identity theft before the minor's 18th birthday, include an alert statement in the minor's unblocked report. With respect to a minor consumer who was a victim of fraud or identity theft prior to the minor's 18th birthday, a consumer reporting agency may not charge a fee to create, convert, or unblock the minor's report. The Consumer Financial Protection Bureau must establish specified procedures related to the bill's implementation.

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3 official files

• Introduced in House (text)

  Introduced in House · EN · 2 March 2017

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• Introduced in House (PDF)

  Introduced in House · EN · 2 March 2017

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• Introduced in House

  summary · EN · 2 March 2017

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