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H.R. 4028 (115th): PROTECT 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 Oct 12, 2017.

Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 or the PROTECT Act of 2017

This bill amends the Federal Financial Institutions Examination Council Act of 1978 to require supervision and examination of large consumer reporting agencies regarding cybersecurity measures.

The bill amends the Fair Credit Reporting Act to allow consumers to request a consumer reporting agency to place a security freeze on their reports. The bill includes provisions for fees and exceptions from such fees.

Consumer reporting agencies may not use a consumer's Social Security number in a consumer report or as a method to identify the consumer.