Title 445, TRADE AND COMMERCE

Sec. 11. (1) A consumer reporting agency shall place a security freeze on a consumer's credit report if all of the following are met: (a) The consumer reporting agency receives a request from the consumer for the placement of the security freeze under this act. (b) The consumer d…

Sec. 12. Within 5 business days after placing a security freeze on a consumer's credit report under section 11, the consumer reporting agency shall do all of the following: (a) Send a written confirmation of the security freeze to the consumer. (b) Provide the consumer with a uni…

Sec. 13. Except as provided in section 14, if a security freeze is in place, a consumer reporting agency may not release a consumer's credit report or any information derived from a consumer's credit report without the express prior authorization of the consumer.

Sec. 14. (1) A consumer who does all of the following may temporarily lift a security freeze to allow access to the consumer's credit report by a specific person or for a specific period of time while the security freeze is in place: (a) Contacts the consumer reporting agency at …

Sec. 15. If, in connection with an application for credit or for any other use, a person requests access to a consumer's credit report while a security freeze is in place and the consumer does not authorize access to the consumer's credit report, the person may treat the applicat…

Sec. 16. A security freeze on a consumer's credit report shall remain in place until 1 of the following occurs: (a) The freeze is temporarily lifted at the consumer's request under section 14. (b) The freeze is removed at the consumer's request under section 17. (c) The freeze is…

Sec. 17. (1) A consumer reporting agency shall remove a security freeze on a consumer's credit report if the consumer does all of the following: (a) Contacts the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporti…

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…

Sec. 22. (1) If a security freeze is in place, a consumer reporting agency may not release a protected consumer's credit report, any information derived from the protected consumer's credit report, or any record created for the protected consumer. (2) A security freeze for a prot…

Sec. 23. A consumer reporting agency shall remove a security freeze for a protected consumer placed under section 21 within 30 days after the protected consumer or the protected consumer's representative does all of the following: (a) Submits a request for the removal of the secu…

Sec. 24. Within 30 days after receiving a request that meets the requirements of section 23, a consumer reporting agency shall remove a security freeze for the protected consumer.

Sec. 25. A consumer reporting agency may remove a security freeze for a protected consumer or delete a record of a protected consumer if the security freeze was placed or the record was created based on a material misrepresentation of fact by the protected consumer or the protect…

Sec. 31. A consumer reporting agency may not charge a fee for the placement, temporary lifting, or removal of a security freeze for a consumer under article 2 or for a protected consumer under article 3.

Sec. 32. The attorney general may apply to the circuit court for Ingham county, or to the circuit court for the county in which a violation of this act is alleged to have occurred or in which the person that allegedly violated this act resides or is located, for injunctive or oth…