Identity Theft Prevention Act: Credit Report Security Freeze and Identity Theft Victim Credit Protection

NJ Security Freeze Law
active

Consumers can place, lift, or remove a security freeze on their credit reports at New Jersey consumer reporting agencies, which must act within set deadlines and, since December 2018, may not charge any fee. Agencies must confirm changes to key identifying data while a freeze is in place, and creditors may not deny or cut credit solely because someone was an identity theft victim.

Jurisdiction

New Jersey

Jurisdiction Type

state

Country

United States

Effective Date

1/1/2006

Enforcing Authority

Consumers through private suits (56:11-50); Commissioner of Banking and Insurance for creditor penalties (56:11-52)

Fines Under This Regulation

0

Total Fine Amount (USD)

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