Credit security freeze; create procedure for freeze of a child's consumer credit report within 10 days of the birth of the child.

SB 2732 requires Mississippi consumer reporting agencies to place a free security freeze on a child’s credit report upon request from the Bureau of Vital Statistics. The bill directs health care facilities to provide parents with a form (at their discretion) to authorize this freeze within 10 days of a child’s birth. This applies only to children born in Mississippi health care facilities, creating a new procedure to block access to a child’s credit report before identity theft could occur. The law uses existing federal credit freeze rules (15 USC § 1681c-1) and takes effect July 1, 2026.