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H.R. 1345 (115th): Protect Children from Theft Act of 2017

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The summary below was written by the Congressional Research Service, which is a nonpartisan division of the Library of Congress, and was published on Mar 2, 2017.


Protect Children from Theft Act of 2017

This bill amends the Fair Credit Reporting Act to require a consumer reporting agency, upon request by the legal guardian or custodian of a minor consumer, to either create a blocked credit report for the minor or convert the minor's existing report to blocked status. With respect to a minor's blocked report, a consumer reporting agency: (1) must block the input of any information, except with permission from the minor's legal guardian or custodian; and (2) may not provide any person with a consumer report of the minor.

A consumer reporting agency shall: (1) upon request by a minor's legal guardian or custodian, or on the minor's 18th birthday, unblock the minor's blocked report; and (2) if a minor consumer was a victim of fraud or identity theft before the minor's 18th birthday, include an alert statement in the minor's unblocked report. With respect to a minor consumer who was a victim of fraud or identity theft prior to the minor's 18th birthday, a consumer reporting agency may not charge a fee to create, convert, or unblock the minor's report.

The Consumer Financial Protection Bureau must establish specified procedures related to the bill's implementation.