Credit Freeze for Newborns Act

This bill (S 4916, Credit Freeze for Newborns Act) allows parents or guardians to place a free security freeze on a child's credit report before they turn 16. It directly affects parents of newborns and minors under 16, enabling them to prevent identity theft by blocking credit access. Key provisions require credit bureaus to place the freeze within 1-3 business days of a parent's request (with proof of identity and authority) and mandate the Social Security Administration to include instructions for requesting a freeze when issuing a Social Security card to children under 16. The law streamlines the process by making freeze requests accessible at the time children receive their first Social Security number.