HB16: Credit reports; authorizes an individual to freeze access thereto.

Chief Patron

Lee Ware (R-65)
Powhatan, VA
Served: 1998–

Progress

	Introduced
	Passed Committee
	Passed House
	Passed Senate
	Signed by Governor
	Became Law

Status

01/14/2008: In Commerce and Labor Committee

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Summary

Credit report security freeze; penalties. Authorizes an individual 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 consumer reporting agency may charge a fee of no more than $5 for establishing a freeze, removing a freeze, or temporarily lifting a freeze. Violations are a prohibited practice under the Consumer Protection Act.

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Video

Votes were cast on this bill on the following dates for which Richmond Sunlight has video: 01/14/2008, 01/29/2008 and 01/29/2008.

Comments

JWS, tracking this bill in Photosynthesis, notes:

rolled into Byron's bill

Posted 4 months ago. #

Marsha Maines writes:

This bill would be ok, IF, it didn't allow the government to arbitrarily corrupt credit reports of victims of criminal activity BY the government, when those agencies are not required to follow Federal Fair Credit Lending Law. ie: DCSE alleges a child support 'debt' without verifing data integrity against court ordered support allotted, and simply destroys a persons credit with no recourse or due process, based on 'whatever' the DCSE alleges they are entitled to. DCSE has NEVER maintained accurate accounting practices, charges interest on interest illegally, and has NEVER verified database integrity prior to crippling non custodial parents ability to function as normal citizens. 9,000 jailed parents from just last year can testify to this. GOOD INTENTIONS, but, NOT quite protecting the citizen...only the 'government'..

Posted 4 months ago. #

Lisa writes:

Why are there 6 bills that say essentially the same thing? And, I can all ready go to the credit reporting web sites and put a freeze on my report.

Posted 4 months ago. #