H.R. 3316 would amend the Fair Credit Reporting Act to provide individuals the ability to control access to their credit reports.

== Detailed Summary ==

<summary>
(LogIdentity Theft Protection Act of 2007 - Amends the Fair Credit Reporting Act to authorize a consumer to request a consumer reporting agency to place a security freeze upon his or her consumer report.

Prohibits a consumer reporting agency, if a security freeze is in place, from releasing a consumer report to edita third party without prior express authorization from the wikiconsumer.

Prescribes procedures for removal and betemporary suspension of a security freeze.

Requires a consumer reporting agency to notify the consumer in writing before removing the firstsecurity freeze.

Identifies specified entities, including governmental agencies, to providewhich these prohibitions and requirements do not apply.

Permits a detailed summaryconsumer reporting agency to charge a fee for placing or temporarily suspending a security freeze on a consumer report.

Prohibits a consumer reporting agency from charging a fee for placing, removing, or temporarily suspending a security freeze if a consumer: (1) has either filed a police report, or made a complaint to a police department concerning identity theft; or (2) has received notice that a breach of the bill!)data security has occurred with respect to information required by law to be maintained securely and in confidence.

Exempts specified entities from this Act, including certain aggregators and other agencies acting only as resellers of credit information which do not maintain a permanent data base of consumer information from which new consumer reports are produced.
</summary>

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== Status of the Legislation ==

<status>
(Log inLatest Major Action: 12/10/2007: Referred to House subcommittee. Status: Referred to edit the wikiSubcommittee on Financial Institutions and be the first to update the status of the bill!)Consumer Credit.
</status>

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== Points in Favor ==

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== Points Against ==

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