N.J. Admin. Code § 13:45F-2.3

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

Section 13:45F-2.3 - Temporarily lifting a security freeze

(a) Upon receipt of a consumer's request to temporarily lift a freeze sent by certified or overnight mail or such system of secure electronic media as may be made available by the consumer reporting agency, the consumer reporting agency shall:

1. Lift the freeze if the consumer has properly supplied the following:

i. The information necessary for proper identification specified in the information given to the consumer pursuant to 13:45F-2.1; and

ii. The information to identify the specific third party granted access or the time period for which the consumer report is to be made available;

2. Supply a PIN to the consumer, other than the consumer's PIN, to be given to a third party where access is to be limited to a specified third party; and

3. Comply with the request as expeditiously as possible, but no later than three business days after receiving the request where the request has been made by certified or overnight mail and, when required under (b) below, within 15 minutes where the request has been made by any one of the methods made available to consumers.

(b) Each consumer reporting agency shall develop, within the time frame set forth below, secure procedures involving the use of telephone, fax, the Internet or other generally available electronic media to receive and process a request from a consumer to temporarily lift a security freeze on a consumer report. These procedures shall allow the lifting of a security freeze as expeditiously as possible, with the goal of lifting the security freeze within 15 minutes of receipt of the consumer's request.

1. By June 6, 2008, each consumer reporting agency shall provide to the Director, at the street address listed in 13:45F-2.1(c), a written plan that, when implemented, will allow the lifting of a security freeze within 15 minutes of receipt of the request to lift; and

2. By August 7, 2008, and in accordance with (b)1 above, each consumer reporting agency shall have technology in place to allow the lifting of a security freeze within 15 minutes of receipt of the request to lift.

(c) Any information that is provided to the Director under (b) above is confidential and proprietary information and shall not be considered a public or government record under the Open Public Records Act, 47:1A-1 et seq.

N.J. Admin. Code § 13:45F-2.3