; and (iii) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. . 802. Credit freeze definition Section 603(q) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a(q)(4) ) is amended by adding at the end the following new paragraph: (6) Credit freeze 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 authorized 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 described under section 605A(i)(1)(B), 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, credit score, or educational 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.