Minnesota Consumer Reports and Security Freeze Law

Gives Minnesota consumers the right to freeze their credit reports for free, with agencies required to place, lift, and remove freezes within three business days, and lets parents or representatives freeze a record for children under 16. It also requires written disclosure before an employer obtains a consumer report for employment purposes, adverse-action notices, and bars selling 'trigger lead' information about mortgage credit inquiries to third parties without an existing mortgage relationship.