Bill to Stop Financial Agencies from Charging for Security Freeze Services Passes House
Wednesday, April 11, 2018
The bill was introduced by Representative Mia Ackerman.
“If somebody suspects they have been victimized by identity theft, a consumer report security freeze can help the person track whether an identity thief is using information to set up bogus accounts. There’s no need to punish consumers who are choosing a path of credit security and financial responsibility. I think this is good pro-consumer legislation,” said Ackerman.
The bill now moves to the Senate.
A consumer report security freeze limits a consumer reporting agency from releasing a credit report or any information from the report without authorization from the consumer.
A freeze also requires authorization to change information — such as the consumer's name, date of birth, Social Security number and address — in a consumer report.
A security freeze lasts until the consumer removes it. A person can “thaw” or temporarily remove the freeze to open a new credit account or a new loan.
To do this, a consumer must give the consumer reporting agency a special personal identifying number (PIN), which is required to verify the consumer's identity.
Related Slideshow: GoLocal: Benchmark Poll, October 2017
Next year, in November of 2018, there will be a statewide general election for Governor and many other state offices. How likely is it that you will vote in this election?
Will you definitely be voting, will you probably be voting, are you 50-50...
Definitely be voting: 78%
Probably be voting: 13%
What would you say is the number one problem facing Rhode Island that you would like the Governor to address?
Jobs and economy: 21%
State budget: 9%
Corruption/Public integrity: .8%
Don’t know: .9%
Recently, a proposal has been made to permit the issuance of $81 million in bonds by the State to build a new stadium for the Pawtucket Red Sox. If there was an election today on this issue, would you vote to approve or reject issuing $81 million in financing supported moral obligation bonds to build the stadium?
Net: Approve: 28%
Definitely approve: 15%
Probably approve: 14%
Net: Reject: 67%
Probably reject: 19%
Definitely reject: 48%
Don't know: 4%
The next question is about the total income of YOUR HOUSEHOLD for the PAST 12 MONTHS. Please include your income PLUS the income of all members living in your household (including cohabiting partners and armed forces members living at home).
$50,000 or less: 27%
More $50,000 but less than $75,000: 13%
More $75,000 but less than $100,000: 13%
More $100,000 but less than $150,000: 17%
$150,000 or more: 13%
Don't know/refused: 17%
What particular ethnic group or nationality - such as English, French, Italian, Irish, Latino, Jewish, African American, and so forth - do you consider yourself a part of or feel closest to?
Black or African American: 6%
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