Credit Freezes were included in federal legislation passed earlier this year - I don't remember the bill number but look in the Credit in the news section - there is a post there announcing the legislation. It does take a while until new "rules" are implemented so if Experian says September 21st, that's probably their compliance date. I'd have to check to see if a specific date was included in the legislation or something like "within 180 days" or something like that.
Public Law No: 115-174 (05/24/2018) Economic Growth, Regulatory Relief, and Consumer Protection Act
(Sec. 301) The bill amends the Fair Credit Reporting Act to increase the length of time a consumer reporting agency must include a fraud alert in a consumer's file. It also: (1) requires a consumer reporting agency to provide a consumer with free credit freezes and to notify a consumer of their availability, (2) establishes provisions related to the placement and removal of these freezes, (3) creates requirements related to the protection of the credit records of minors.
September 21 is the date the law stipulates, I was just wondering if other credit reporting agencies were joining Equifax in going free early. TransUnion is waiting until 9/21, but I don't know what Experian is doing.
You can read the text of the bill from my post and link - I didn't see where it listed a specific date for compliance but I just skimmed the text.
I'm still not 100% sure of the difference between a credit freeze vs lock.
I have all 3 of my reports locked, which allows you to log in and change it anytime when you need to apply for credit.
Transunion = TruIdentity (free)
Equifax = Lock & Alert (free)
Experian = not sure if it is free for this feature alone since I have a subcription with them that allows me lock/unlock.
DH has EQ and TU locked for free, but couldn't get EX to do it for free (doesn't have subscription)
The Equifax breach is the reason for the free security/credit freeze legislation. It is my guess that Equifax, as a goodwill gesture, implemented the free access as soon as it was feasible. Perhaps due to any pending lawsuits and or fines in connection with the breach.