Credit report security freeze; protection for credit header information. (HB1511)
Introduced By
Progress
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Introduced |
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Passed Committee |
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Passed House |
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Passed Senate |
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Signed by Governor |
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Became Law |
Description
Credit report security freeze; credit header information; 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 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. The measure also limits the release of credit header information to persons who would have a permissible purpose to obtain a consumer's credit report under the federal Fair Credit Reporting Act. "Credit header" refers to nonpublic identifying information in a consumer's credit file, including a consumer's social security number. Violations are a prohibited practice under the Consumer Protection Act. Read the Bill »
Outcome
History
Date | Action |
---|---|
01/20/2006 | Presented and ordered printed 066692464 |
01/20/2006 | Referred to Committee on Commerce and Labor |
01/24/2006 | Assigned C & L sub: Financial Institutions (Dudley) |
02/07/2006 | Incorporated by Commerce and Labor (HB1508-Plum) |