Code of Massachusetts Regulations
201 CMR - OFFICE OF CONSUMER AFFAIRS AND BUSINESS REGULATION
Title 201 CMR 16.00 - Placing, Lifting And Removal Of Security Freezes
Section 16.04 - Placing a Security Freeze
Current through Register 1531, September 27, 2024
Upon receipt of a consumer's request to place a security freeze on his or her consumer report made in accordance with the procedures in 201 CMR 16.04, a consumer reporting agency shall:
(a) disclose to the consumer the process of placing a security freeze;
(b) place the security freeze on the consumer report as soon as practicable and without unreasonable delay, but under no circumstances any later than three business days after receiving a request from the consumer;
(c) send a written confirmation of the security freeze to the consumer as soon as practicable and without unreasonable delay, but in any event within five business days after receiving the request, together with instructions on the procedures for temporarily lifting or removing a security freeze, and a toll-free number that a consumer may use for any further questions; (d) provide the consumer at the time of the written confirmation with a unique and random personal identification number or a unique and random combination of numbers, letters or symbols, which shall not contain the consumer's Social Security number or any sequence of three or more numbers of the consumer's Social Security number, or other personal identifying information, to be used by the consumer for the purpose of providing authorization for the removal or temporary lifting of the security freeze or for other communications with the consumer reporting agency; and
(e) provide a copy of the notice relevant to security freezes set forth in M.G.L. c. 93, § 56(b).
