Credit law tracker

Laws about credit reports change every year, and the rules can differ from one state to the next. This tracker explains, in plain English, the state and federal laws that affect what can appear on your credit reports and what rights you have.

It is here for education and to help you monitor your own credit with confidence. We do not offer credit repair. Everything on these pages is something you can do yourself, for free, using the official source linked on each entry.

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Federal laws and rules

The Fair Credit Reporting Act and federal rules from the CFPB and the FTC apply in every state.

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Recently effective and upcoming

HB 2321 (2026): security freezes for dependent children in DCS care (Laws 2026, ch. 197)

In effect

Jurisdiction: Arizona
Citation:: Ariz. Rev. Stat. 8-530.10; 44-1698.02
Effective:: Sep 12, 2026

Within 30 days after a child is found to be a dependent child and placed in the care of the Arizona Department of Child Safety, the department must place a security freeze on the child's credit record. The freeze stays until the child turns 16, when the child can keep it or have it removed, and the department must tell the parent or guardian about the freeze and how to remove it.

What you can do

If you care for a child leaving DCS care, ask how to manage or lift the child's freeze.

Official sources

Source checked Sep 29, 2026

This is general education, not legal advice. Laws change; check the official source linked on each entry.