New Jersey § 56:11-46

§ 56:11-46.

a. A consumer may elect to place a security freeze on his consumer report by: (1) making a request in writing by certified mail or overnight mail to a consumer

reporting agency; or (2) making a request directly to the consumer reporting agency through a secure electronic

mail connection, if an electronic mail connection is provided by the consumer reporting

agency. b. A consumer reporting agency shall place a security freeze on a consumer report

no later than five business days after receiving a written request from the consumer. c. The consumer reporting agency shall send a written confirmation of the security

freeze to the consumer within five business days of placing the freeze and at the

same time shall provide the consumer with a unique personal identification number

or password to be used by the consumer when providing authorization for the release

of his credit for a specific party or period of time. d. If the consumer wishes to allow his consumer report to be accessed for a specific

party or period of time while a freeze is in place, he shall contact the consumer

reporting agency via certified or overnight mail or secure electronic mail and request

that the freeze be temporarily lifted, and provide all of the following: (1) Information generally deemed sufficient to identify a person; (2) The unique personal identification number or password provided by the consumer

reporting agency pursuant to subsection c. of this section; and (3) The proper information regarding the third party who is to receive the consumer

report or the time period for which the consumer report shall be available to users

of the consumer report. e. A consumer reporting agency that receives a request from a consumer to temporarily

lift a freeze on a consumer report pursuant to subsection d. of this section shall

comply with the request no later than three business days after receiving the request. f. A consumer reporting agency shall develop procedures involving the use of telephone,

fax, the Internet, or other electronic media to receive and process a request from

a consumer to temporarily lift a freeze on a consumer report pursuant to subsection

d. of this section in an expedited manner. The director shall promulgate regulations necessary to allow the use of electronic

media to receive and process a request from a consumer to temporarily lift a security

freeze pursuant to subsection d. of this section as quickly as possible, with the

goal of processing a request within 15 minutes of that request. g. A consumer reporting agency shall remove or temporarily lift a freeze placed on

a consumer report only in the following cases: (1) Upon consumer request, pursuant to subsection d. or j. of this section; or (2) If the consumer report was frozen due to a material misrepresentation of fact

by the consumer. If a consumer reporting agency intends to remove a freeze upon a consumer report

pursuant to this paragraph, the consumer reporting agency shall notify the consumer

in writing at least five business days prior to removing the freeze on the consumer

report. h. If a third party requests access to a consumer report on which a security freeze

is in effect, and this request is in connection with an application for credit or

any other use, and the consumer does not allow his consumer report to be accessed

for that specific party or period of time, the third party may treat the application

as incomplete. i. (1) At any time that a consumer is required to receive a summary of rights required

under section 609 of the federal “Fair Credit Reporting Act,” 15 U.S.C. s.1681g , the following notice shall be included: New Jersey Consumers Have the Right to Obtain a Security Freeze You may obtain a security freeze on your credit report to protect your privacy and

ensure that credit is not granted in your name without your knowledge. You have a right to place a “security freeze” on your credit report pursuant to

New Jersey law. The security freeze will prohibit a consumer reporting agency from releasing any information

in your credit report without your express authorization or approval. The security freeze is designed to prevent credit, loans, and services from being

approved in your name without your consent. When you place a security freeze on your credit report, within five business days

you will be provided a personal identification number or password to use if you choose

to remove the freeze on your credit report or to temporarily authorize the release

of your credit report for a specific party, parties or period of time after the freeze

is in place. To provide that authorization, you must contact the consumer reporting agency and

provide all of the following: (i) The unique personal identification number or password provided by the consumer

reporting agency; (ii) Proper identification to verify your identity; and (iii) The proper information regarding the third party or parties who are to receive

the credit report or the period of time for which the report shall be available to

users of the credit report. A consumer reporting agency that receives a request from a consumer to lift temporarily

a freeze on a credit report shall comply with the request no later than three business

days or less, as provided by regulation, after receiving the request. A security freeze does not apply to circumstances in which you have an existing account

relationship and a copy of your report is requested by your existing creditor or its

agents or affiliates for certain types of account review, collection, fraud control

or similar activities. If you are actively seeking credit, you should understand that the procedures involved

in lifting a security freeze may slow your own applications for credit. You should plan ahead and lift a freeze, either completely if you are shopping around,

or specifically for a certain creditor, a few days before actually applying for new

credit. You have a right to bring a civil action against someone who violates your rights

under the credit reporting laws. The action can be brought against a consumer reporting agency or a user of your

credit report. (2) If a consumer requests information about a security freeze, he shall be provided

with the notice provided in paragraph (1) of this subsection and with any other information,

as prescribed by the director by regulation, about how to place, temporarily lift

and permanently lift a security freeze. j. A security freeze shall remain in place until the consumer requests that the security

freeze be removed. A consumer reporting agency shall remove a security freeze within three business

days of receiving a request for removal from the consumer, who provides the following: (1) Proper identification; and (2) The unique personal identification number or password provided by the consumer

reporting agency pursuant to subsection c. of this section. k. A consumer reporting agency shall require proper identification of the person making

a request to place or remove a security freeze. l . The provisions of this section do not apply to the use of a consumer report by the

following: (1) A person, or subsidiary, affiliate, or agent of that person, or an assignee of

a financial obligation owing by the consumer to that person, or a prospective assignee

of a financial obligation owing by the consumer to that person in conjunction with

the proposed purchase of the financial obligation, with which the consumer has or

had prior to assignment an account or contract, including a demand deposit account,

or to whom the consumer issued a negotiable instrument, for the purposes of reviewing

the account or collecting the financial obligation owing for the account, contract,

or negotiable instrument. For purposes of this paragraph, “ reviewing the account ” includes activities related to account maintenance, monitoring, credit line increases,

and account upgrades and enhancements; (2) A subsidiary, affiliate, agent, assignee, or prospective assignee of a person

to whom access has been granted under subsection d. of this section, for purposes

of facilitating the extension of credit or other permissible use; (3) Any State or local agency, law enforcement agency, trial court, or private collection

agency acting pursuant to a court order, warrant, or subpoena; (4) The Division of Taxation in the Department of the Treasury for the purpose of

enforcing the tax laws of this State; (5) A State or local child support enforcement agency; (6) The use of credit information for the purposes of prescreening as provided for

by the federal “Fair Credit Reporting Act,” 15 U.S.C. s.1681 et seq. ; (7) Any person or entity administering a credit file monitoring subscription service

to which the consumer has subscribed; or (8) Any person or entity for the purpose of providing a consumer with a copy of the

consumer's credit report upon the consumer's request. m. (1) A consumer reporting agency shall not charge a consumer any fee to place a

security freeze on that consumer's consumer report , or to remove or temporarily lift a security freeze on that consumer's consumer report . (2) ( Deleted by amendment, P.L.2018, c. 153 ) (3) ( Deleted by amendment, P.L.2018, c. 153 )