Credit reports; authorizes consumer to freeze access thereto. (SB576)
Introduced By
Sen. Dick Saslaw (D-Springfield)
Progress
✓ |
Introduced |
✓ |
Passed Committee |
✓ |
Passed House |
✓ |
Passed Senate |
☐ |
Signed by Governor |
✓ |
Became Law |
Description
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 consumers 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. Read the Bill »
Outcome
History
Date | Action |
---|---|
01/09/2008 | Prefiled and ordered printed; offered 01/09/08 080050324 |
01/09/2008 | Referred to Committee on Commerce and Labor |
01/29/2008 | Assigned C&L sub: Financial Institutions & Insurance |
02/11/2008 | Committee substitute printed 080179324-S1 |
02/11/2008 | Reported from Commerce and Labor with substitute (15-Y 0-N) (see vote tally) |
02/12/2008 | Committee substitute agreed to 083982232-S1 |
02/12/2008 | Read second time |
02/12/2008 | Reading of substitute waived |
02/12/2008 | Committee substitute agreed to 080179324-S1 |
02/12/2008 | Engrossed by Senate - committee substitute SB576S1 |
02/12/2008 | Constitutional reading dispensed (40-Y 0-N) (see vote tally) |
02/12/2008 | Passed Senate (39-Y 0-N) (see vote tally) |
02/12/2008 | Reconsideration of passage agreed to by Senate (40-Y 0-N) (see vote tally) |
02/12/2008 | Passed Senate (40-Y 0-N) (see vote tally) |
02/12/2008 | Communicated to House |
02/14/2008 | Placed on Calendar |
02/14/2008 | Read first time |
02/14/2008 | Referred to Committee on Commerce and Labor |
02/26/2008 | Reported from Commerce and Labor (22-Y 0-N) (see vote tally) |
02/28/2008 | Read second time |
02/29/2008 | Read third time |
02/29/2008 | Passed House BLOCK VOTE (98-Y 0-N) |
02/29/2008 | VOTE: BLOCK VOTE PASSAGE (98-Y 0-N) |
03/04/2008 | Enrolled |
03/04/2008 | Bill text as passed Senate and House (SB576ER) |
03/04/2008 | Signed by Speaker |
03/04/2008 | Signed by President |
03/05/2008 | Impact statement from DPB (SB576ER) |
03/08/2008 | Governor's substitute printed 089636802-S2 |
03/08/2008 | Governor's recommendation received by Senate |
03/08/2008 | Placed on Calendar |
03/08/2008 | Senate concurred in Governor's recommendation (40-Y 0-N) |
03/08/2008 | Passed by temporarily |
03/08/2008 | House concurred in Governor's recommendation (89-Y 1-N 1-A) |
03/08/2008 | VOTE: --- ADOPTION (89-Y 1-N 1-A) |
03/08/2008 | G Governor's recommendation adopted |
03/08/2008 | Reenrolled |
03/08/2008 | Reenrolled bill text (SB576ER2) |
03/08/2008 | Signed by President as reenrolled |
03/08/2008 | Signed by Speaker as reenrolled |
03/08/2008 | Enacted, Chapter 480 (effective 7/1/08) |
03/14/2008 | G Acts of Assembly Chapter text (CHAP0480) |
Comments
Authorizes any consumer to freeze access to his credit report.