HB4: Freezing access to credit reports; penalty.

Chief Patron

Del. Robert Tata (R-85)

Robert Tata (R-85)
Virginia Beach, VA
Served: 1984–

Status

07/24/2008: Introduced

Summary

Freezing access to credit reports; penalty.  Authorizes any consumer to freeze access to his credit report. If a consumer has placed a freeze on his credit report, a consumer reporting agency is prohibited from releasing the credit report, or any information in it, without the consumer’s express authorization. The measure provides a means by which a consumer can release his report, permanently, temporarily, or to a specific third party. Certain disclosures are exempt from the freeze. A violation is a prohibited practice under the Consumer Protection Act.