; and (ii) by striking initial and inserting 1-year each place such term appears; and (B) in paragraph (2)— (i) in the paragraph heading, by striking extended and inserting 7-year ; and (ii) by striking extended and inserting 7-year each place such term appears. 805. Enhances access to credit freezes, limits the cost of such freezes, and provides access to free credit freezes for vulnerable 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 freezes (1) In general Upon the direct request of a consumer, or individual acting on behalf of or as a personal representative of a consumer, a consumer reporting agency described in section 603(p) 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) shall— (A) place a credit freeze on the file of the consumer not later than 1 business day after receiving such request sent by postal mail, toll-free telephone, or secure electronic means as established by the agency and— (i) not later than 5 business days after placing the credit freeze, provide the consumer with written confirmation of the credit freeze and a unique personal identification number or password (other than the consumer’s social security number) for use to authorize the release of the consumer’s report for a specific period of time; and (ii) 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 such actions