Mich. Comp. Laws » Michigan Compiled Laws / Chapter 445 / Act 229 of 2013
Michigan Compiled Laws

Mich. Comp. Laws § 445.2521 (2026)

Placement of security freeze on consumer's credit report; conditions; days.

✓ current as of July 2026
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SECURITY FREEZE ACT


Act 229 of 2013


445.2521 Placement of security freeze on consumer's credit report; conditions; days.

Sec. 11.

    (1) A consumer reporting agency shall place a security freeze on a consumer's credit report if all of the following are met:

    (a) The consumer reporting agency receives a request from the consumer for the placement of the security freeze under this act.

    (b) The consumer does all of the following:

    (i) Submits the request described in subdivision (a) to the consumer reporting agency at the address or other point of contact and in the manner specified by the consumer reporting agency.

    (ii) Provides to the consumer reporting agency sufficient proof of identification of the consumer.

    (2) Within 5 business days after receiving a request that meets the requirements of subsection (1), a consumer reporting agency shall place a security freeze for the consumer.

History: 2013, Act 229, Eff. Jan. 1, 2014 ;-- Am. 2018, Act 76, Eff. June 17, 2018

Notes of Decisions
Cited in 1 case (1 in the last 5 years), 2026–2026 · leading case: Alexander Ross v. Robinson, Hoover & Fudge, PLLC (6th Cir. 2026).
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Alexander Ross v. Robinson, Hoover & Fudge, PLLC (6th Cir. 2026). “, and the Michigan Regulation of Collection Practices Act (“MRCPA”), Mich. Comp. Laws § 445.2521 et seq. The district court dismissed the complaint after finding that RHF had not purposefully established minimum contacts with Michigan.”
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