Protect Children from Theft Act of 2015

Summary

Protect Children from Theft Act of 2015 Amends the Fair Credit Reporting Act, with respect to protections for credit reports of minor consumers, to require a consumer reporting agency, upon request by the legal guardian or custodian of a minor consumer (including the state or tribal agency responsible for a child in foster care), to either create a blocked file for the minor or convert an already existing file to blocked status. Directs the Consumer Financial Protection Bureau to: (1) establish implementing procedures, and (2) determine what fee, if any, may be charged by a consumer reporting agency to create, convert, or unblock a file. Requires a consumer reporting agency to: (1) unblock a blocked file upon request by a guardian or on the minor's 18th birthday, and (2) include an alert statement in an unblocked file if the minor consumer was a victim of fraud or identity theft before that 18th birthday. Requires a reseller who furnishes information concerning a consumer file containing an alert statement to include it when furnishing information. Prohibits a consumer reporting agency from charging a fee to create, convert, or unblock the file of a consumer who was a victim of fraud or identity theft before his or her 18th birthday.

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3 official files

• Introduced in House (text)

  Introduced in House · EN · 26 March 2015

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• Introduced in House (PDF)

  Introduced in House · EN · 26 March 2015

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• Introduced in House

  summary · EN · 26 March 2015

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