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Michigan · Snapshot open-us-law v2026.08, retrieved 2026-09-14

Mich. Comp. Laws § 445.2531: Placement of security freeze on protected consumer's credit report; requirements; record; days.

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Where this section sits in the code
  1. MI Code
  2. Chapter 445
  3. Act Act-229-of-2013

Sec. 21.

(1) A consumer reporting agency shall place a security freeze on a protected consumer's credit report if all of the following are met:

(a) The consumer reporting agency receives a request from the representative of the protected consumer for the placement of the security freeze.

(b) The protected consumer's representative does all of the following:

( i ) Submits the request to the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporting agency.

( ii ) Provides to the consumer reporting agency sufficient proof of identification for the protected consumer and the representative.

( iii ) Provides to the consumer reporting agency his or her sufficient proof of authority.

(2) If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a request under subsection (1), the consumer reporting agency shall create a record for the protected consumer.

(3) Within 30 days after receiving a request that meets the requirements of subsection (1), a consumer reporting agency shall place a security freeze for the protected consumer.

Collected 2026-09-14T18:32:31Z. Source file · JSON

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