Bill > S2455

This bill amends Massachusetts state law to provide additional protections for consumer personal information and credit reports. Key provisions include: - Defining "breach of security" and "personal information" consistent with existing state law. - Requiring consumer consent and disclosure of reasons before accessing a consumer report. - Allowing electronic delivery of credit report copies and security freeze notices. - Requiring credit monitoring services at no cost to consumers if a breach involves social security numbers. - Prohibiting consumer reporting agencies from requiring consumers to waive their right to take legal action. - Establishing new requirements and timelines for placing, lifting, and removing security freezes on consumer reports, including faster processing for electronic and telephone requests. - Creating new protections for security freezes on the credit reports of protected consumers (minors and incapacitated individuals). - Directing the state consumer affairs department to issue regulations on information security programs. The bill aims to modernize credit report protections and enhance consumer control over their personal and financial information.

https://malegislature.gov/Bills/190/S2455