Bill Suggests 18 Months Free Credit Checking Facilities for Data Breach Sufferers in Massachusetts


A new bill has been presented in Massachusetts that pursues to improve safeguards for users affected by data breaches. The bill requires free credit checking facilities to offer to people whose private information was disclosed in a safety breach.

The bill (H.4806) was submitted on Tuesday by a House-Senate discussion group presided by Rep. Tackey Chan and Sen. Barbara L’Italien and is an agreement bill between rival data safety bills that were sent to the board on May 3. The House Bill needed users to be provided with a year of credit checking facilities after a data breach while the Senate bill needed users to be provided with 2 years of credit checking facilities after a data breach.

The discussion group bill takes the middle ground, needing 18 months of credit checking facilities to be provided to users free of charge after a normal safety breach. Nevertheless, a data breach at a credit checking firm (Equifax, Experian, and TransUnion) would need affected users to be provided with 42 weeks of credit checking facilities. This is also a settlement because the Senate bill required 5 years of free credit checking facilities to be provided to users after a breach at a credit reporting organization.

When users are informed that their private information has been undermined in a data breach they are often suggested to place a safety freeze on their credit files as a safeguard against a scam. The bills charged for placing and removing safety freezes differ from state to state, even though usually it costs $5 to $10.

As breach sufferers are not to condemn for the disclosure of their private data, several think the placing and lifting of safety freezes must not come at a cost. Some states already ban the charging of dues and in May 2018, President Trump initialed the Economic Growth, Regulatory Relief and Consumer Protection Law, which will make placing and lifting safety freezes free of cost from September. H.4806 likewise calls for the lifting of the charges.

The bill also needs businesses to get approval from users before they are allowed to check a person’s credit file or get a credit report.