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HR 5482 109th Congress House

Identity Theft Protection Act of 2006

Official title: To amend the Fair Credit Reporting Act to provide individuals the ability to control access to their credit reports, and for other purposes.

Introduced: July 26, 2006 See on congress.gov
Finance and Financial Sector CommerceConsumer creditConsumer educationConsumer protection
More subjectsShow fewer subjects
Crime and Law EnforcementCriminal justice informationFeesFraudGovernment Operations and PoliticsIdentification devicesIdentity theftLawNamesSecurity measuresSocial WelfareSocial security numbers
This bill died when the 109th Congress ended
It never became law before the 109th Congress (2005–2006) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 5 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 18, 2006
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Jul 18, 2006
Sponsor introductory remarks on measure. (CR H5285)
May 26, 2006
Sponsor introductory remarks on measure. (CR E993)
May 25, 2006
Referred to the House Committee on Financial Services.
May 25, 2006
Introduced in House
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 Latest action July 18, 2006

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Identity Theft Protection Act of 2006 - Amends the Fair Credit Reporting Act to permit a consumer to request a consumer reporting agency to place a security freeze upon his consumer report.

Prohibits a consumer reporting agency, if a security freeze is in place, from releasing a consumer report to a third party without prior express authorization from the consumer.

Prescribes procedures for removal and temporary suspension of a security freeze.

Requires a consumer reporting agency to notify the consumer in writing before removing the security freeze.

Identifies specified entities, including governmental agencies, to which these prohibitions and requirements do not apply.

Permits a consumer reporting agency to charge a reasonable fee for placing or temporarily suspending a security freeze on a consumer report.

Prohibits a consumer reporting agency from charging a fee for placing, removing, or temporarily suspending a security freeze if a consumer: (1) has either filed a police report, or made a complaint to a police department concerning identity theft; or (2) has received notice that a breach of data security has occurred with respect to information required by law to be maintained securely and in confidence.

Exempts specified entities from this Act, including certain aggregators and other agencies acting only as resellers of credit information which do not maintain a permanent data base of consumer information from which new consumer reports are produced.

 Related & companion bills 1
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 5482: Identity Theft Protection Act of 2006. 109th Congress. Open America. https://openamerica.io/bill/109-HR-5482/
MLA
"H.R. 5482: Identity Theft Protection Act of 2006." 109th Congress, 2026, Open America, https://openamerica.io/bill/109-HR-5482/.
Bluebook (legal)
H.R. 5482, 109th Cong. (2026), https://openamerica.io/bill/109-HR-5482/.
Markdown link
[H.R. 5482: Identity Theft Protection Act of 2006](https://openamerica.io/bill/109-HR-5482/)
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