Sunday, May 18, 2008
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Tracking Virginia’s General Assembly
since 2007.
HB1311: Credit reports; authorizes consumer to freeze access thereto.
Chief Patron
Del.
Kathy Byron (R-22)
Kathy Byron
(R-22)
Lynchburg, VA
Served: 1998–
Progress
 |
Introduced |
|
Passed Committee |
|
Passed House |
|
Passed Senate |
 |
Signed by Governor |
|
Became Law |
Status
03/08/2008: enacted
Summary
Freezing access to credit reports. 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 fee of up to $10 may be charged for establishing or lifting a freeze, except identity theft victims are not required to pay a fee except for a temporary lifting of the freeze within 15 minutes of receipt of certain electronic requests. A person who willfully fails to comply with the requirements is liable to a consumer for actual damages of between $100 and $1,000, punitive damages, and reasonable attorney fees. A person who negligently fails to comply with the requirements is liable to a consumer for actual damages and reasonable attorney fees.
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Votes were cast on this bill on the following dates for which Richmond Sunlight has video: 01/09/2008, 01/09/2008, 01/25/2008, 01/30/2008, 01/30/2008, 01/31/2008, 02/01/2008, 02/01/2008, 02/04/2008, 02/04/2008, 02/05/2008, 02/14/2008, 02/14/2008, 02/28/2008 and 02/28/2008.
Identical Bills
The following bills are identical to this one: SB576
Introduced: 2008-01-09
Status: enacted
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Related Bills
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Comments
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.