; and (B) in paragraph (2)— (i) in the paragraph heading, by striking extended and inserting 7-year ; (ii) in subparagraph (A), in the matter preceding clause (i), by striking extended and inserting 7-year ; and (iii) in subparagraph (B), by striking an extended and inserting a 7-year . 4. Providing free access to credit freezes 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 freezes (1) In general Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, a consumer reporting agency that maintains a file on the consumer and has received appropriate proof of the identity of the requester (as described in section 1022.123 of title 12, Code of Federal Regulations, or any successor thereto) shall— (A) (i) not later than 1 business day after receiving the request sent by postal mail, toll-free telephone, or secure electronic means as established by the agency, place a credit freeze on the file of the consumer; (ii) not later than 5 business days after placing a credit freeze described in clause (i), provide the consumer with written confirmation of the credit freeze and a unique personal identification number or password (other than the social security number of the consumer) for use to authorize the release of the file of the consumer for a specific period of time; and (iii) disclose all relevant information to the consumer relating to the procedures for temporarily lifting and fully removing a credit freeze, including a statement about the maximum amount of time given to an agency to conduct those actions; (B) if the consumer provides a correct personal identification number or password, temporarily lift an existing credit freeze from the file of the consumer for a period of time specified by the consumer for a specific user or category of users, as determined by the consumer— (i) not later than 1 business day after receiving the request by postal mail