Consumer Reporting Agencies (security freezes; medical debt reporting ban)
VA credit freezeLets Virginia consumers freeze their credit reports free of charge, with deadlines for placing and temporarily lifting freezes, and lets parents or guardians freeze or create a record for children under 16 and incapacitated adults. Since 2024 it also bars health care providers and collectors from reporting medical debt to credit bureaus.
Jurisdiction
Virginia
Jurisdiction Type
state
Country
United States
Effective Date
7/1/2008
Enforcing Authority
Consumers by private action; Attorney General exclusively for electronic-lift timing and protected-consumer placement violations (59.1-444.2(U), 59.1-444.3(M)); medical debt reporting through the VCPA (59.1-444.4(C))
Fines Under This Regulation
0
Total Fine Amount (USD)
--