SB576: Credit reports; authorizes consumer to freeze access thereto.

Chief Patron

Dick Saslaw (D-35)
Served: 1980–

Progress

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

Status

03/08/2008: enacted

View Entire History

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) (see vote tally)
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) (see vote tally)
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) (see vote tally)
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)

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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