Interesting. This should be adopted by the EU. (I know Norway is not a member state but this makes good sense and that's why I would love to see the EU to adopt it.)
I disagree with this system, banks can instead require the exact same Auth process they'd use to unblock your "no credit" request when they want to start a new credit for anyone. Why would there be more checks to "remove block" than to "start credit"? I can think of one reason that's good for the banks.
The "locked" state should be the default, whatever extra checks they need to do to a person that has it "frozen", that should just be the default to start any credit!
If anyone has some dire need for easy credit all the time they can do the opposite and go to some "light checks" state like TSA pre-check.
I imagine they already exist in EU states. I got one in Finland after my ID card was stolen and someone was trying to buy stuff on credit with my ID. Paid a small fee of like 10€ to get a two-year credit freeze. They also give you a certificate from it that you can use to verify that the black mark in your credit history is a voluntary block. Never actually had to use it, was a student back then and I didn't have any credit to apply to, mobile phone plans to buy, apartments to rent etc.
The "locked" state should be the default, whatever extra checks they need to do to a person that has it "frozen", that should just be the default to start any credit!
If anyone has some dire need for easy credit all the time they can do the opposite and go to some "light checks" state like TSA pre-check.