Security Freeze on Credit Reports
CT Security Freeze
Credit reporting · Financial
Lets any consumer, and a parent for a minor child, freeze a credit report free of charge so it cannot be released for new credit without the consumer's authorization, and requires agencies to lift or remove freezes promptly on request.
- Where
- Connecticut
- Citation
- Conn. Gen. Stat. 36a-701 to 36a-701a
- Status
- In force
- Enforced by
- Connecticut Banking Commissioner (regulations under 36a-701c); Attorney General
- People can sue
- No
- Penalties
- No penalty clause in 36a-701a itself; enforcement runs through the Banking Commissioner's general authority.
- Applies to
- Credit rating agencies (consumer reporting agencies) holding reports on Connecticut consumers, including minors (36a-701, 36a-701a)
Rights it gives people
- Place a security freeze on request as soon as practicable, issue a PIN or password, and temporarily lift or remove the freeze as soon as practicable and within three business days of a removal request.Conn. Gen. Stat. 36a-701a(a)-(c)
- Parents or guardians may place and remove freezes on a minor child's credit report.Conn. Gen. Stat. 36a-701a(j)-(k)
Practices it requires
- Charge no fee for placing, lifting or removing a freeze or for a PIN, and do not condition a freeze on waiving claims.Conn. Gen. Stat. 36a-701a(i)
Sources
Checked against these sources on 2026-09-25 by research agent (Claude), primary sources.
Unverified: Effective date of original enactment (P.A. 05-148, s. 2) and of the last amendment (P.A. 18-90) not confirmed. | Enforcement authority for 36a-701a not stated in the section; inferred.
Research reference, not legal advice.