Michigan § 445.2531 - Placement of security freeze on protected consumer's credit report; requirements; record; days.

Full text of Michigan Michigan Compiled Laws § 445.2531 — Placement of security freeze on protected consumer's credit report; requirements; record; days., with citation guidance and answers to common questions.

§ 445.2531. Placement of security freeze on protected consumer's credit report; requirements; record; days.

Sec. 21.

(1) A consumer reporting agency shall place a security freeze on a protected consumer's credit report if all of the following are met:

(a) The consumer reporting agency receives a request from the representative of the protected consumer for the placement of the security freeze.

(b) The protected consumer's representative does all of the following:

(i) Submits the request to the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporting agency.

(ii) Provides to the consumer reporting agency sufficient proof of identification for the protected consumer and the representative.

(iii) Provides to the consumer reporting agency his or her sufficient proof of authority.

(2) If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a request under subsection (1), the consumer reporting agency shall create a record for the protected consumer.

(3) Within 30 days after receiving a request that meets the requirements of subsection (1), a consumer reporting agency shall place a security freeze for the protected consumer.

Source: official Michigan text · Last verified 2026-08-27

Related Michigan Legal Topics

Frequently Asked Questions About Michigan § 445.2531

What does Michigan Compiled Laws § 445.2531 cover?

Section 445.2531 ("Placement of security freeze on protected consumer's credit report; requirements; record; days.") is part of the Michigan Compiled Laws, the codified statutory law of Michigan. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.

How do I cite Michigan § 445.2531?

A common citation format is "Michigan Compiled Laws § 445.2531" (Michigan). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.

Is this the official text of Michigan law?

No. This page is for research and education and may not include the most recent amendments. For official current law, check the Michigan official source linked on this page or consult a licensed Michigan attorney.

How does Michigan § 445.2531 apply to my situation?

Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Michigan can advise on how this section applies to you. Contact your state or local bar association for a referral.

Sources & Verification

Not legal advice. Verify against the official source and consult a licensed attorney in Michigan.