---
type: "Bill"
title: "AN ACT relating to credit freezes for protected consumers. Create a new section of KRS 367.363 to 367.365 to define \"protected person,\" \"representative,\" and \"sufficient proof of authority\"; require a consumer reporting agency to place a security freeze on a protected person's record or report upon proper request by a representative; require the freeze to be placed within 30 days of receiving the request; set forth when the credit reporting agency is required to remove the freeze; allow the credit reporting agency to charge a fee under certain circumstances; establish penalties for violations."
description: "AN ACT relating to credit freezes for protected consumers. Create a new section of KRS 367.363 to 367.365 to define \"protected person,\" \"representative,\" and \"sufficient proof of authority\"; require a consumer reporting agency to place a security freeze on a protected person's record or report upon proper request by a representative; require the freeze to be placed within 30 days of receiving the request; set forth when the credit reporting agency is required to remove the freeze; allow the credit reporting agency to charge a fee under certain circumstances; establish penalties for violations."
jurisdiction: "us/states/ky"
legislature: "Kentucky General Assembly"
session: "2017RS"
identifier: "SB 19"
citation: "Kentucky SB 19 (2017RS)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 21
vote_count: 0
first_action: "2016-12-07"
last_action: "2017-03-27"
source: "openstates"
source_identifier: "ocd-bill/2274ce8c-a462-4492-9c2c-d4d390150050"
source_url: "http://www.lrc.ky.gov/record/17RS/SB19.htm"
source_hash: "471390d44ed4af4d6de5fb283ba324c6a52872324fac2016483f054fc6410993"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ky"]
---

# Kentucky SB 19 (2017RS) — AN ACT relating to credit freezes for protected consumers. Create a new section of KRS 367.363 to 367.365 to define "protected person," "representative," and "sufficient proof of authority"; require a consumer reporting agency to place a security freeze on a protected person's record or report upon proper request by a representative; require the freeze to be placed within 30 days of receiving the request; set forth when the credit reporting agency is required to remove the freeze; allow the credit reporting agency to charge a fee under certain circumstances; establish penalties for violations.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Most Recent Version** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/17RS/SB19/bill.pdf)
2. **SB 19 (As Introduced)** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/17RS/SB19/orig_bill.pdf)
3. **SCS1** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/17RS/SB19/SCS1.pdf)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2016-12-07** Prefiled by the sponsor(s).
- **2017-01-03** Introduced in Senate `introduction`
- **2017-01-07** To Judiciary (S) `referral-committee`
- **2017-02-09** Reported favorably, 1st reading, to Calendar with Committee Substitute `reading-1`
- **2017-02-10** 2nd reading, to Rules `reading-2`
- **2017-02-13** Posted for passage in the Regular Orders of the Day for Wednesday, February 15, 2017
- **2017-02-15** 3rd reading, passed 36-0 with Committee Substitute `reading-3, passage`
- **2017-02-16** Received in House
- **2017-02-21** To Banking & Insurance (H) `referral-committee`
- **2017-03-06** Posted in committee
- **2017-03-07** Taken from Banking & Insurance (H)
- **2017-03-07** 1st reading `reading-1`
- **2017-03-07** Returned to Banking & Insurance (H)
- **2017-03-08** Reported favorably, 2nd reading, to Rules as a Consent Bill `reading-2`
- **2017-03-14** Posted for passage in the Consent Orders of the Day for Wednesday, March 15, 2017
- **2017-03-15** 3rd reading, passed 97-0 `reading-3, passage`
- **2017-03-15** Received in Senate
- **2017-03-15** Enrolled, signed by President of the Senate
- **2017-03-15** Enrolled, signed by Speaker of the House
- **2017-03-15** Delivered to Governor
- **2017-03-27** Signed by Governor (Acts, ch. 119) `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/2274ce8c-a462-4492-9c2c-d4d390150050`. Confidence: reported (aggregated from official Kentucky legislature records).