Massachusetts Bill Seeks 18 Months Zero Cost Credit Monitoring Services for Victims of Data Breach

There is a new bill filed in the state of Massachusetts looking to boost protections for people affected by data breaches. The bill entails complimentary credit monitoring services to be provided to people whose private information was disclosed in a data breach.

Rep. Tackey Chan and Sen. Barbara L’Italien headed the House-Senate conference committee that put forward the bill (H.4806) on Tuesday. The submitted bill is a compromise bill among rival data security bills which were passed to the committee on May 3. The House Bill mandated consumers to be given 12 months of credit monitoring services after a data breach while the Senate bill asked that people must be given 24 months of credit monitoring services after a data breach.

The conference committee bill stands on the middle ground, demanding 18 months of credit monitoring services to be given to people cost free after a standard data breach. Nonetheless, a credit monitoring company like Equifax, TransUnion, Experian, would necessitate impacted customers to be offered 42 weeks of credit monitoring services following a data breach. This is equally a compromise, as the Senate bill necessitated 5 years of no cost credit monitoring services to be offered to consumers right after a data breach at a credit monitoring agency.

Any time customers are warned that their private data has been exposed in a security breach they are typically urged to put their credit accounts on a security freeze as a defense against fraudulence. The payments incurred for putting and taking away security freezes can vary from state to state, though usually it can cost you $5 to $10.

Given that breach victims must not be held accountable for the compromise of their private data, a good number think that security freezes should never be offered at a fee. Several states already do not allow the billing of service cost and in May 2018, President Trump authorized the Economic Growth, Regulatory Relief and Consumer Protection Act, which could make putting and taking away security freezes at zero cost beginning September. H.4806 in the same manner demands taking away of the charges.

The bill additionally calls for companies to acquire approval from the general public before they are allowed to examine a person’s credit account or acquire a credit report.

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Christine Garcia is the staff writer on Calculated HIPAA. Christine has several years experience in writing about healthcare sector issues with a focus on the compliance and cybersecurity issues. Christine has developed in-depth knowledge of HIPAA regulations. You can contact Christine at [email protected]. You can follow Christine on Twitter at