Propose a change

Title 40 Trade and Commerce

Write the words of this act the way you think they should read. Solon shows your change as a redline against the published text and pins it to that exact text, so it can never be applied to wording you did not see.

Change 1

What to do with it
As published

40-12-503. Security freeze.

(a) Except as provided in W.S. 40-12-505, a consumer may place a security freeze on the consumer's credit report by: (i) Making a request to a consumer reporting agency in writing by certified mail; and (ii) Providing proper identification. (b) If a security freeze is in place, a consumer reporting agency may not release a consumer's credit report or information derived from the credit report to a third party that intends to use the information to determine a consumer's eligibility for credit or the opening of a new account without prior authorization from the consumer. (c) Notwithstanding subsection (b) of this section, a consumer reporting agency may communicate to a third party requesting a consumer's credit report that a security freeze is in effect on the consumer's credit report. If a third party requesting a consumer's credit report in connection with the consumer's application for credit is notified of the existence of a security freeze under this subsection, the third party may treat the consumer's application as incomplete. (d) Upon receiving a request from a consumer under subsection (a) of this section, the consumer reporting agency shall: (i) Place a security freeze on the consumer's credit report within five (5) business days after receiving the consumer's request; (ii) Send a written confirmation of the security freeze to the consumer within ten (10) business days after placing the security freeze; and (iii) Provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorizations for removal or temporary lift of the security freeze. (e) A consumer reporting agency shall require proper identification of the consumer requesting to place, remove, or temporarily lift a security freeze. (f) A consumer reporting agency shall develop a contact method to receive and process a consumer's request to place, remove or temporarily lift a security freeze. The contact method shall include: (i) A postal address; (ii) An electronic contact method chosen by the consumer reporting agency, which may include the use of fax, Internet or other electronic means; and (iii) The use of telephone in a manner that is consistent with any federal requirements placed on the consumer reporting agency. (g) A security freeze placed under this section may be removed or temporarily lifted only in accordance with W.S. 40-12-504.

Your change, as a redline

40-12-503. Security freeze.

(a) Except as provided in W.S. 40-12-505, a consumer may place a security freeze on the consumer's credit report by: (i) Making a request to a consumer reporting agency in writing by certified mail; and (ii) Providing proper identification. (b) If a security freeze is in place, a consumer reporting agency may not release a consumer's credit report or information derived from the credit report to a third party that intends to use the information to determine a consumer's eligibility for credit or the opening of a new account without prior authorization from the consumer. (c) Notwithstanding subsection (b) of this section, a consumer reporting agency may communicate to a third party requesting a consumer's credit report that a security freeze is in effect on the consumer's credit report. If a third party requesting a consumer's credit report in connection with the consumer's application for credit is notified of the existence of a security freeze under this subsection, the third party may treat the consumer's application as incomplete. (d) Upon receiving a request from a consumer under subsection (a) of this section, the consumer reporting agency shall: (i) Place a security freeze on the consumer's credit report within five (5) business days after receiving the consumer's request; (ii) Send a written confirmation of the security freeze to the consumer within ten (10) business days after placing the security freeze; and (iii) Provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorizations for removal or temporary lift of the security freeze. (e) A consumer reporting agency shall require proper identification of the consumer requesting to place, remove, or temporarily lift a security freeze. (f) A consumer reporting agency shall develop a contact method to receive and process a consumer's request to place, remove or temporarily lift a security freeze. The contact method shall include: (i) A postal address; (ii) An electronic contact method chosen by the consumer reporting agency, which may include the use of fax, Internet or other electronic means; and (iii) The use of telephone in a manner that is consistent with any federal requirements placed on the consumer reporting agency. (g) A security freeze placed under this section may be removed or temporarily lifted only in accordance with W.S. 40-12-504.

One line that says what changes, such as "Halve the dog tax".

Who it helps, what it costs, what it fixes. It is what persuades people to support it.

A proposal here is not law. Support on Solon is evidence that people want the change; the official route says what it takes to make it law.

Sign in to file your proposal. What you have written stays on this page.

Sign in to file it