---
type: "Bill"
title: "AN ACT relating to credit freezes and declaring an emergency. Amend KRS 367.365 to allow for security freezes to be requested by methods established by the consumer reporting agency; allow consumers to request a replacement personal identification number or password in the same manner as the original security freeze request; remove the expiration of a credit freeze after seven years; include gender-neutral language; EMERGENCY."
description: "AN ACT relating to credit freezes and declaring an emergency. Amend KRS 367.365 to allow for security freezes to be requested by methods established by the consumer reporting agency; allow consumers to request a replacement personal identification number or password in the same manner as the original security freeze request; remove the expiration of a credit freeze after seven years; include gender-neutral language; EMERGENCY."
jurisdiction: "us/states/ky"
legislature: "Kentucky General Assembly"
session: "2018RS"
identifier: "HB 46"
citation: "Kentucky HB 46 (2018RS)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["B. Rowland", "J. Fischer", "W. Stone"]
version_count: 3
action_count: 19
vote_count: 0
first_action: "2017-09-26"
last_action: "2018-03-30"
source: "openstates"
source_identifier: "ocd-bill/f8c43561-15ee-499b-b031-439f182c0853"
source_url: "http://www.lrc.ky.gov/record/18RS/HB46.htm"
source_hash: "f446e9e58ea745623f0dfb535e4ed21732b154ff42c524d83434bc279bc160b6"
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 HB 46 (2018RS) — AN ACT relating to credit freezes and declaring an emergency. Amend KRS 367.365 to allow for security freezes to be requested by methods established by the consumer reporting agency; allow consumers to request a replacement personal identification number or password in the same manner as the original security freeze request; remove the expiration of a credit freeze after seven years; include gender-neutral language; EMERGENCY.

## Version chain

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

1. **HB 46 (As Introduced)** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/18RS/HB46/orig_bill.pdf)
2. **HCS1** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/18RS/HB46/HCS1.pdf)
3. **Most Recent Version** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/18RS/HB46/bill.pdf)

## Sponsors

- B. Rowland — primary (person)
- J. Fischer — primary (person)
- W. Stone — primary (person)

## Timeline

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

- **2017-09-26** Prefiled by the sponsor(s).
- **2018-01-02** Introduced in House `introduction`
- **2018-01-02** To Banking & Insurance (H) `referral-committee`
- **2018-01-18** Posted in committee
- **2018-01-24** Reported favorably, 1st reading, to Consent Calendar with Committee Substitute `reading-1`
- **2018-01-25** 2nd reading, to Rules `reading-2`
- **2018-01-26** Posted for passage in the Consent Orders of the Day for Monday, January 29, 2018
- **2018-01-29** 3rd reading, passed 89-0 with Committee Substitute `reading-3, passage`
- **2018-01-30** Received in Senate
- **2018-01-31** To Banking & Insurance (S) `referral-committee`
- **2018-02-27** Reported favorably, 1st reading, to Consent Calendar `reading-1`
- **2018-02-28** 2nd reading, to Rules `reading-2`
- **2018-03-19** Posted for passage in the Consent Orders of the Day for Monday, March 19, 2018
- **2018-03-19** 3rd reading, passed 38-0 `reading-3, passage`
- **2018-03-20** Received in House
- **2018-03-20** Enrolled, signed by Speaker of the House
- **2018-03-20** Enrolled, signed by President of the Senate
- **2018-03-20** Delivered to Governor
- **2018-03-30** Signed by Governor (Acts, ch. 41) `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/f8c43561-15ee-499b-b031-439f182c0853`. Confidence: reported (aggregated from official Kentucky legislature records).