I mean, federal law has little to say about the pricing of PDFs generated from databases in the supermajority of instances. Lots of them cost tens of thousands

I mean, federal law has little to say about the pricing of PDFs generated from databases in the supermajority of instances. Lots of them cost tens of thousands of dollars. The price is what the market will bear, etc etc. From the perspective of a savvy technologist talking to another savvy technologist on how to optimize for their preferred outcomes in personal finance: 1) You probably do not need credit monitoring more than 3X per year unless you are actively applying for a mortgage, because you are unlikely to get signalful updates from it which will change how you conduct your affairs in a fashion which optimizes for your interests. 2) But if you do not take my advice on #1, you can get free ~weekly reports from e.g. Amex or Capital One or Chase as a function of having an account with them. Of this group, note that you can open a checking account with Capital One with an initial deposit of IIRC $1 and keep it open forever.