Under the FCRA, a fraud alert automatically imposes and opt-out.
Freezes are not covered under the FCRA, but rather are controlled by either state laws or CRA policies, which can vary.
I presume they include automatice opt-out provisions, but it can vary.
As an aside, neither process can actually stop all preapproval offers.
Opt-out only applies to ability of a creditor to obtain a listing of consumers from a CRA to which they will be making a firm offer for credit.
If the creditor obtains a consumer name/adress by other means,, they can still send business offers.
