Credit Report Protection Act
Nebraska Credit Report Protection Act
Credit reporting · Financial · Children
Nebraska's credit freeze law lets consumers place, temporarily lift, and remove a security freeze on their credit files, and lets a parent or representative freeze the file of a child under 16 or an incapacitated person, creating a record if none exists. Freezes are free, and a frozen file cannot be released to third parties without authorization.
- Where
- Nebraska
- Citation
- Neb. Rev. Stat. 8-2601 to 8-2615
- Status
- In force
- In force since
- 2007-09-01
- Last amended
- 2018-07-19
- Enforced by
- Nebraska Attorney General
- People can sue
- No
- Penalties
- Civil penalty up to $2,000 per violation, injunctive relief, attorney's fees and costs, and actual damages recovered by the Attorney General for injured consumers (8-2615).
- Applies to
- Consumer reporting agencies that assemble or evaluate consumer information to furnish consumer reports (8-2602(1)); certain entities are not required to place freezes (8-2614)
- Protects Nebraska consumers and protected consumers (children under 16 and incapacitated persons with a guardian) (8-2602(4))
Rights it gives people
- Consumers may place a security freeze on their credit file; the agency must place it within three business days and send confirmation with a PIN or password within five business days.Neb. Rev. Stat. 8-2603; 8-2605
- A representative may freeze the file of a protected consumer; if no file exists the agency must create a record and freeze it within 30 days.Neb. Rev. Stat. 8-2603.01 · From 2017-01-01
- On request, consumer reporting agencies must provide consumers a copy of their consumer or credit report and a key to any codes used, as required under the FCRA.Neb. Rev. Stat. 20-149
Practices it requires
- While a freeze is in place, do not release a credit report or file-derived information to third parties without the consumer's express authorization.Neb. Rev. Stat. 8-2604
- Do not charge fees to place, temporarily lift, or remove a freeze (or a similar product) for consumers or protected consumers; one free PIN reissue.Neb. Rev. Stat. 8-2609; 8-2609.01 · From 2018-07-19
Sources
- Official text
- Neb. Rev. Stat. 8-2601 (Nebraska Legislature)
- Neb. Rev. Stat. 8-2603.01 (Nebraska Legislature)
- Neb. Rev. Stat. 8-2609 (Nebraska Legislature)
- Neb. Rev. Stat. 8-2615 (Nebraska Legislature)
- Neb. Rev. Stat. 20-149 (Nebraska Legislature)
- LB674 (2007) slip law, sec. 17 operative dates (Nebraska Legislature)
- Revisor cross-reference tables 2016 and 2018 (LB835 protected-consumer sections operative January 1, 2017; LB757 July 19, 2018)
Checked against these sources on 2026-09-25 by research agent (Claude), primary sources.
Research reference, not legal advice.