This Act may be cited as the Credit Freeze for Kids Act.

(a) In general Section 605A(j)(2)(A) of the Fair Credit Reporting Act (15 U.S.C. 1681cU.S. Code — Title 15, Section 1681cView official source on GovInfo–1(j)(2)(A)) is amended to read as follows: (A) In general Upon receiving a direct request from a protected consumer’s representative that a consumer reporting agency place a security freeze, which shall include sufficient proof of identification, sufficient proof of authority, and all other necessary documentation, the following shall apply: (i) The consumer reporting agency shall, free of charge— (I) in the case of a request that is by toll-free telephone, secure electronic means, or mail, place the security freeze not later than 3 business days after receiving the request directly from the protected consumer’s representative; and (II) not later than 3 business days after receiving the request directly from the protected consumer’s representative, notify each other consumer reporting agency regarding the request. (ii) A consumer reporting agency receiving a notification submitted under clause (i)(II) shall place the requested freeze not later than 3 business days after receiving that notification.. (b) Effective date The amendments made by subsection (a) shall take effect on the date that is 18 months after the date of enactment of this Act.