; and (2) by adding at the end the following: (h) Free disclosures in connection with credit freeze In addition to the free annual disclosure required under subsection (a)(1)(A), each consumer reporting agency that maintains a file on a consumer who requests a credit freeze under section 605A(i) shall make all disclosures pursuant to section 609 once during any 12-month period without charge to the consumer if the consumer makes a request under section 609. . 6. Refunds (a) Definitions In this section, the terms consumer , consumer reporting agency , and credit freeze have the meanings given those terms in section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), as amended by section 2. (b) Refunds With respect to any consumer who requested a credit freeze from a consumer reporting agency during the period beginning on September 7, 2017, and ending on the day before the date of enactment of this Act, the consumer reporting agency— (1) shall issue a refund to the consumer for any fees charged to the consumer relating to the request for a credit freeze; and (2) may not impose a fee on the consumer to temporarily lift or fully remove the credit freeze.