Authorizes parent or guardian to place security freeze on child's consumer report.

This bill, S 103, allows parents or legal guardians to place a security freeze on their minor child's credit report. It directly affects children under 18 (defined as "protected consumers") and their parents/guardians by giving them control over the child's credit information. The key provision requires parents/guardians to submit a written request (via certified mail or secure email) with proof of authority, and credit reporting agencies must act within 5 business days to freeze the report and provide a unique PIN for future access. This prevents unauthorized sharing of the child's credit data without the parent's or guardian's permission.