1. Short title This Act may be cited as the Free Credit Freeze Act . 2. Provides access to free credit freezes for all consumers Section 605A of the Fair Credit Reporting Act ( 15 U.S.C. 1681c–1 ) is amended by adding at the end the following: (i) Credit freeze fees (1) Definition In this subsection, the term credit freeze means a restriction placed at the request of a consumer or a personal representative of the consumer, on the consumer report of the consumer, that prohibits a consumer reporting agency described in section 603(p) from releasing the consumer report for a purpose relating to the extension of credit without the express authorization of the consumer. A credit freeze shall not apply to the use of a consumer report by any of the following: (A) A person, or the person’s subsidiary, affiliate, agent, subcontractor, or assignee with whom the consumer has, or prior to assignment had, an account, contract, or debtor-creditor relationship for the purposes of reviewing the active account or collecting the financial obligation owed on the account, contract, or debt. (B) A person, or the person’s subsidiary, affiliate, agent, subcontractor, or assignee, to whom access has been granted pursuant to a request by the consumer for purposes of facilitating the extension of credit or other permissible use. (C) Any person acting pursuant to a court order, warrant, or subpoena. (D) A Federal, State, or local government, or an agent or assignee thereof. (E) Any person for the sole purpose of providing a credit monitoring or identity theft protection service to which the consumer has subscribed. (F) Any person for the purpose of providing a consumer with a copy of the consumer report, or credit score of the consumer upon the consumer's request. (G) Any person or entity for insurance purposes, including use in setting or adjusting a rate, adjusting a claim, or underwriting. (H) Any person acting pursuant to an authorization from a consumer to use their consumer report for employment purposes. (2) Prohibition on fees A