Massachusetts § 62B - Offering of paid products to prevent or restrict access to credit; notice of availability of security freeze without charge; identification of other consumer reporting agencies from which to place, lift or remove security freeze

§ 62B. Offering of paid products to prevent or restrict access to credit; notice of availability of security freeze without charge; identification of other consumer reporting agencies from which to place, lift or remove security freeze

Section 62B. A consumer reporting agency shall not knowingly offer a paid product to prevent unauthorized access or restrict access to a consumer's credit unless at the time of transaction the consumer reporting agency: (i) notifies the consumer of the availability of obtaining a security freeze without charge and (ii) provides information to the consumer on how to obtain a security freeze.

A consumer reporting agency that compiles and maintains files on consumers on a nationwide basis and receives a request by a consumer for a security freeze shall identify, to the best of its knowledge, any other consumer reporting agency that compiles and maintains files on consumers on a nationwide basis and inform consumers of appropriate websites, toll-free telephone numbers and mailing addresses that would permit the consumer to place, lift or remove a security freeze from such other consumer reporting agency. The consumer reporting agencies subject to this section may establish a centralized source, including, but not limited to, a website, that directs a consumer to such websites, toll-free telephone numbers and mailing addresses.