Amendment to protection for files and credit records of protected consumers

(a) Amendment to definition of file Section 603(g) of the Fair Credit Reporting Act (15 U.S.C. 1681a(g)) is amended by inserting, except that such term excludes a record created pursuant to section 605A(j) after stored. (b) Amendment to protection for files and credit records Section 605A(j) of the Fair Credit Reporting Act (15 U.S.C. 1681c–1(j)) is amended— (1) in paragraph (1)— (A) in subparagraph (B)(ii), by striking an incapacitated person or a protected person and inserting a person; and (B) by amending subparagraph (E) to read as follows: (E) The term security freeze — (i) has the meaning given in subsection (i)(1)(C); and (ii) with respect to a protected consumer for whom the consumer reporting agency does not have a file, means a record that is subject to a security freeze that a consumer reporting agency is prohibited from disclosing to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.; and (2) in paragraph (4)(D), by striking a protected consumer or a protected consumer’s representative under subparagraph (A)(i) and inserting a protected consumer described under subparagraph (A)(ii) or a protected consumer’s representative.