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News Now

CU System
Delaware Governor Signs Children's Credit Freeze Bill At CU
DOVER, Del. (6/25/13)--Delaware Gov. Jack Markell has signed House Bill 64--which allows parents and guardians to freeze their children's credit until they are 16 years old, prohibits a consumer reporting agency from releasing the child's consumer record or report and prevents anyone from opening a line of credit using the child's Social Security number.

Click to view larger image Delaware Gov. Jack Martell signed House Bill 64 last week during a visit to Del-One FCU in Dover. Pictured are, from left, Delaware State Rep. Andria Bennet (D-32), prime sponsor of Delaware H.B. 64; Girls State Governor Diana Wilson, who was shadowing Markell for the day; Markell; Del-One Associate Board Member Lisa Strusowski; and Del-One FCU CEO Dion Williams. The bill allows parents and guardians to freeze their children's credit until they are 16 years old. (Photo provided by Del-One FCU)

Markell signed H.B. 64 at Del-One FCU's Downtown Dover branch, the credit union said.  

"The  Delaware Credit Union League was in support of House Bill 64 and we are glad to see it signed into law," Carole Langiu, league communications and governmental affairs director, told News Now. "In addition to helping protect our youth from credit and identity theft, it also will help safeguard our members who are not able to protect themselves."  

Under the law, "protected consumer" means:

  • An individual under 16 years at the time the request for placement of a security freeze is made; or
  • An incapacitated person or a protected person for whom a guardian or conservator has been appointed.
The representative must provide the consumer reporting agency with sufficient proof of authority to act on the behalf of the protected consumer, said the league.  

The law, which goes into effect Jan. 1, will prohibit a consumer reporting agency from releasing the protected consumer's report, any information derived from the protected consumer's report or any record created for the protected consumer, said the league. If the agency receives a request to place a security freeze and does not have a consumer report, it must create a record and apply the freeze.

The security freeze remains in effect until the protected consumer, or a representative, requests it be removed. It also may be lifted due to misrepresentation of fact at the time of request.

Fees, not to exceed $5, to place or remove the freeze do not apply if there is a report of alleged identity fraud against the protected consumer, or if the request is for a protected consumer who is under 16 years at the time of the request and has a consumer report already established at the agency, the league said.
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