{"data":{"id":"us-mt/30-14-1728","jurisdiction":"us-mt","citation":"30-14-1728","heading":"Consumer reporting agency requirements.","body":"(1) Except as provided in subsection (2), a consumer reporting agency shall place a security freeze on a consumer's credit report no later than 5 business days after receiving from the consumer:\n(a) a written or electronic request, as provided in 30-14-1727;\n(b) proper identification; and\n(c) a fee, if applicable.\n(2) If a consumer who has been the victim of identity theft, as prescribed by 45-6-332, requests a security freeze, the consumer reporting agency shall place a security freeze on the consumer's credit report no later than 24 hours after receiving notice as provided in 30-14-1727 and a valid police report, investigative report, or complaint that the consumer has filed with a law enforcement agency.\n(3) The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within 5 business days of placing the security freeze and at the same time shall provide the consumer with a unique personal identification number, password, or similar device to be used by the consumer when providing authorization for a release of the consumer's credit for a specific party or period of time, as provided in 30-14-1729.\n(4) A consumer reporting agency may not suggest or otherwise state or imply to a third party that the consumer's security freeze reflects a negative credit score, history, report, or rating.","path":["TITLE 30. TRADE AND COMMERCE","CHAPTER 14. UNFAIR TRADE PRACTICES AND CONSUMER PROTECTION","Part 17. Impediment of Identity Theft"],"source_url":"https://mca.legmt.gov/bills/mca/title_0300/chapter_0140/part_0170/section_0280/0300-0140-0170-0280.html","current_through":"Montana Code Annotated 2025","vintage":"","retrieved_at":"2026-09-14T04:51:38Z","sha256":"d21ab0e9625e5798e6e60d67f73eafe9dfe0b81d33232208bd7550b3ce418339","source_id":"us-mt","stale":false,"prev":"us-mt/30-14-1727","next":"us-mt/30-14-1729"},"notice":"GroundRules: Original legal text. Not legal advice."}