N.J. Admin. Code § 13:45F-2.1

Current through Register Vol. 56, No. 21, November 4, 2024

Section 13:45F-2.1 - Providing information to consumers about a security freeze

(a) Each consumer reporting agency shall provide to consumers:

1. Complete, easily accessible information presented in plain language about how to place, lift and remove a security freeze on a consumer report including:

i. All identifying information that the consumer reporting agency requires from a consumer to place, temporarily lift or remove a security freeze on a consumer report;

ii. The methods by which a consumer can make a request to the consumer reporting agency to place, temporarily lift or remove a security freeze on a consumer report, which may be a written request by certified or overnight mail or secure electronic mail, or, where the freeze is being temporarily lifted or removed, by secure electronic media;

iii. A notice that a consumer must place a security freeze with each consumer reporting agency separately;

iv. The amount of any fee to temporarily lift or remove a security freeze and the methods of payment accepted by the consumer reporting agency; and

v. Information on the procedures to replace a lost personal identification number (PIN) or password; and

2. A toll-free telephone number that, if automated, includes a separate prompt on the menu for information about placing, lifting and removing a security freeze on a consumer report. This toll-free number must afford the consumer, during regular business hours, eastern time, access to a person who can supply any additional information needed by the consumer.

(b) Each consumer reporting agency shall place the information set forth in (a) above on its website, including a conspicuous link to that information on its home page. Each consumer reporting agency also shall mail the information in (a) above to consumers, along with the notice "New Jersey Consumers Have the Right to Obtain a Security Freeze" set forth at N.J.S.A. 56:11-46i(1), when:

1. The consumer requests information about placement of a security freeze pursuant to N.J.S.A. 56:11-46i(2);

2. The consumer requests a copy of his or her consumer report; or

3. The consumer is entitled to receive a summary of rights required under § 609 of the Fair Credit Reporting Act, 15 U.S.C. § 1681g, incorporated herein by reference, as may be amended and supplemented.

(c) Each consumer reporting agency, by April 17, 2008, shall send in writing, via e-mail to mail to:creditinfo@dca.lps.state.nj.us and regular mail to the Press Office, New Jersey Division of Consumer Affairs, 124 Halsey Street 7th floor, Newark, NJ 07101, the information required to be provided to consumers under (a)1i, ii, iv and v and 2 above.

(d) The consumer reporting agency shall communicate in writing, via e-mail and regular mail, any changes to the information supplied to the Division under (c) above within 10 days of implementation of the change.

N.J. Admin. Code § 13:45F-2.1