SB283,7 24Section 7. 100.54 (5) (a), (b) and (c) of the statutes are amended to read:
SB283,7,2
1100.54 (5) (a) The individual or the individual's representative authorizes the
2release under sub. (4).
SB283,7,43 (b) The individual or the individual's representative requests removal of the
4security freeze under sub. (6).
SB283,7,95 (c) The consumer reporting agency included a security freeze with the
6consumer report due to a material misrepresentation of fact by the individual or the
7individual's representative
, if the consumer reporting agency notifies the individual
8or the individual's representative in writing about the misrepresentation before the
9consumer reporting agency releases the consumer report.
SB283,8 10Section 8. 100.54 (6) (a) (intro.) and (b) of the statutes are amended to read:
SB283,7,1311 100.54 (6) (a) (intro.) An individual or the individual's representative may
12request removal of a security freeze included with the individual's consumer report
13by doing all of the following:
SB283,7,1914 (b) If an individual or the individual's representative requests removal of a
15security freeze under par. (a), the consumer reporting agency shall remove the
16security freeze from the individual's consumer report no later than 3 business days
17after the individual or the individual's representative satisfies the requirements
18under par. (a) 1. to 3. and the consumer reporting agency's release of the report is no
19longer subject to this section.
SB283,9 20Section 9. 100.54 (6) (c) of the statutes is created to read:
SB283,7,2521 100.54 (6) (c) 1. When a protected individual described in sub. (1) (cs) 1. attains
22the age of 18 years according to the consumer reporting agency's records, the
23consumer reporting agency shall remove from the individual's consumer report any
24security freeze previously requested by the individual's representative, as described
25in sub. (1) (cv) 1.
SB283,8,6
12. When a consumer reporting agency has information that the guardianship,
2conservatorship, or durable power of attorney for a protected individual described in
3sub. (1) (cs) 2. or 3. is terminated and there is no successor guardianship,
4conservatorship, or durable power of attorney, the consumer reporting agency shall
5remove from the individual's consumer report any security freeze previously
6requested by the individual's representative, as described in sub. (1) (cv) 2. or 3.
SB283,10 7Section 10. 100.54 (7) (b) of the statutes is amended to read:
SB283,8,128 100.54 (7) (b) This section does not prohibit a consumer reporting agency from
9advising a 3rd party that an individual's consumer report includes a security freeze
10and that the consumer reporting agency must obtain the individual's authorization,
11or the authorization of the individual's representative,
before releasing the
12individual's consumer report.
SB283,11 13Section 11. 100.54 (8) (a) 1. a., (b), (g) and (h) of the statutes are amended to
14read:
SB283,8,2315 100.54 (8) (a) 1. a. A person with whom the individual has, or had prior to
16assignment, an account or contract, including a demand deposit account; a person
17to whom the individual issued or is otherwise personally liable on a negotiable
18instrument; or a person who otherwise has a legitimate business need for the
19information in connection with a business transaction initiated by the individual or
20the individual's representative
; for the purpose of preventing or investigating
21potential fraud or theft of identity, reviewing the account, collecting the financial
22obligation owing for the account, contract, or negotiable instrument, or conducting
23the business transaction.
SB283,9,224 (b) A subsidiary, affiliate, agent, assignee, or prospective assignee of a person
25to whom the consumer reporting agency has released the consumer report during the

1time period authorized by the individual or the individual's representative under
2sub. (4).
SB283,9,53 (g) A person administering a credit file monitoring subscription service or
4similar service to which the individual or the individual's representative has
5subscribed.
SB283,9,86 (h) A person for the purpose of providing an individual or the individual's
7representative
with a copy of his or her the individual's consumer report upon the
8individual's request of the individual or the individual's representative.
SB283,12 9Section 12. 100.54 (9) of the statutes is amended to read:
SB283,9,1410 100.54 (9) Fees. (a) Except as provided in par. (b), a consumer reporting agency
11may charge an individual or the individual's representative a fee of no more than $10
12each time that the individual or the individual's representative requests a security
13freeze under sub. (2), authorizes release of a consumer report under sub. (4), or
14requests removal of a security freeze under sub. (6).
SB283,9,2115 (b) A consumer reporting agency may not charge a fee to an individual or the
16individual's representative
who submits evidence satisfactory to the consumer
17reporting agency that the individual or the individual's representative made a report
18to a law enforcement agency under s. 943.201 (4) regarding the individual's personal
19identifying information or a personal identifying document. A copy of a law
20enforcement agency's report under s. 943.201 (4) is considered satisfactory evidence
21for purposes of this paragraph.
SB283,13 22Section 13. 100.54 (9) (c) of the statutes is created to read:
SB283,9,2423 100.54 (9) (c) A consumer reporting agency may not charge an individual or the
24individual's representative a fee in connection with any request under sub. (2m).
SB283,14 25Section 14. 100.54 (10) (a) of the statutes is amended to read:
SB283,10,8
1100.54 (10) (a) Except as provided in par. (b), if a consumer reporting agency
2includes a security freeze in an individual's consumer report, the consumer reporting
3agency may not change the individual's name, date of birth, social security number,
4or address in the report unless, within 30 business days of changing the information,
5the consumer reporting agency sends written notice of the change to the individual
6and, if the individual is a protected individual, to the individual's representative. If
7the notice concerns a change of address, the consumer reporting agency shall send
8the notice to both the new and former address.
SB283,15 9Section 15. 100.54 (10) (c) of the statutes is created to read:
SB283,10,1610 100.54 (10) (c) 1. If a representative described in sub. (1) (cv) 1. makes a request
11for a security freeze under sub. (2), or a request to create a record under sub. (2m),
12with respect to a protected individual described in sub. (1) (cs) 1., when the protected
13individual attains the age of 18 years according to the consumer reporting agency's
14records, the consumer reporting agency may not honor requests from the
15representative and any further requests or actions under this section with respect
16to the individual shall be made by the individual.
SB283,11,217 2. If a representative described in sub. (1) (cv) 2. or 3. makes a request for a
18security freeze under sub. (2), or a request to create a record under sub. (2m), with
19respect to a protected individual described in sub. (1) (cs) 2. or 3., and the
20guardianship, conservatorship, or durable power of attorney is terminated, the
21representative shall notify the consumer reporting agency. Upon receiving this
22notice, or if the consumer reporting agency's own records show that the
23guardianship, conservatorship, or durable power of attorney is terminated, the
24consumer reporting agency may not honor requests from the representative and any

1further requests or actions under this section with respect to the protected individual
2shall be made by the individual or by a successor representative.
SB283,16 3Section 16. 100.54 (12) of the statutes is amended to read:
SB283,11,74 100.54 (12) Rules. The department shall promulgate rules specifying what
5constitutes proper identification for purposes of subs. (2) (a) 2., (2m) (b) 2., (4) (a) 2.,
6and (6) (a) 2. The rules shall be consistent with any requirements under federal
7credit reporting law pertaining to proper identification.
SB283,17 8Section 17 . Nonstatutory provisions.
SB283,11,139 (1) Proposed permanent rules. The department of agriculture, trade and
10consumer protection shall submit in proposed form the rules required under section
11100.54 (12) of the statutes, as affected by this act, to the legislative council staff under
12section 227.15 (1) of the statutes no later than the first day of the 4th month
13beginning after the effective date of this subsection.
SB283,11,1414 (2) Rule-making exceptions for permanent rules.
SB283,11,1815 (a) Notwithstanding section 227.135 (2) of the statutes, the department of
16agriculture, trade and consumer protection is not required to present the statement
17of the scope of the rules required under section 100.54 (12) of the statutes, as affected
18by this act, to the governor for approval.
SB283,11,2219 (b) Notwithstanding section 227.185 of the statutes, the department of
20agriculture, trade and consumer protection is not required to present the rules
21required under section 100.54 (12) of the statutes, as affected by this act, in final draft
22form to the governor for approval.
SB283,12,223 (c) Notwithstanding section 227.137 (2) of the statutes, the department of
24agriculture, trade and consumer protection is not required to prepare an economic

1impact analysis for the rules required under section 100.54 (12) of the statutes, as
2affected by this act.
SB283,12,73 (d) Notwithstanding sections 227.14 (2g) and 227.19 (3) (e) of the statutes, the
4department of agriculture, trade and consumer protection is not required to submit
5the proposed rules required under section 100.54 (12) of the statutes, as affected by
6this act, to the small business regulatory review board and is not required to prepare
7a final regulatory flexibility analysis for those rules.
SB283,12,218 (3) Emergency rules. Using the procedure under section 227.24 of the statutes,
9the department of agriculture, trade and consumer protection shall promulgate the
10rules required under section 100.54 (12) of the statutes, as affected by this act, for
11the period before the effective date of the permanent rules promulgated under
12section 100.54 (12) of the statutes, as affected by this act, but not to exceed the period
13authorized under section 227.24 (1) (c) of the statutes, subject to extension under
14section 227.24 (2) of the statutes. Notwithstanding section 227.24 (1) (a), (2) (b), and
15(3) of the statutes, the department is not required to provide evidence that
16promulgating a rule under this subsection as an emergency rule is necessary for the
17preservation of public peace, health, safety, or welfare and is not required to provide
18a finding of an emergency for a rule promulgated under this subsection.
19Notwithstanding section 227.24 (1) (e) 1d. and 1g. of the statutes, the department is
20not required to prepare a statement of the scope of the rules promulgated under this
21subsection or present the rules to the governor for approval.
SB283,18 22Section 18. Effective dates. This act takes effect on the first day of the 4th
23month beginning after publication, except as follows:
SB283,12,2424 (1) Section 17 of this act takes effect on the day after publication.
SB283,12,2525 (End)
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