Credit reports; authorizes consumer to freeze access thereto. (HB1311)

Introduced By

Del. Kathy Byron (R-Lynchburg) with support from 39 copatrons, whose average partisan position is:

Those copatrons are Del. Watkins Abbitt (I-Appomattox), Del. Kris Amundson (D-Mount Vernon), Del. Clay Athey (R-Front Royal), Del. Rob Bell (R-Charlottesville), Del. Bob Brink (D-Arlington), Del. Chuck Caputo (D-Oak Hill), Del. Mark Cole (R-Fredericksburg), Del. David Englin (D-Alexandria), Del. Jeff Frederick (R-Woodbridge), Del. Todd Gilbert (R-Woodstock), Del. Tim Hugo (R-Centreville), Del. Sal Iaquinto (R-Virginia Beach), Del. Bill Janis (R-Glen Allen), Del. Chris Jones (R-Suffolk), Del. Terry Kilgore (R-Gate City), Del. Steve Landes (R-Weyers Cave), Del. Matt Lohr (R-Harrisonburg), Del. Danny Marshall (R-Danville), Del. Jimmie Massie (R-Richmond), Del. Don Merricks (R-Danville), Del. Brian Moran (D-Alexandria), Del. Harvey Morgan (R-Gloucester), Del. Sam Nixon (R-Richmond), Del. Dave Nutter (R-Christiansburg), Del. John O'Bannon (R-Richmond), Del. Chris Peace (R-Mechanicsville), Del. Lacey Putney (I-Bedford), Del. Tom Rust (R-Herndon), Del. Jim Scott (D-Merrifield), Del. Steve Shannon (D-Vienna), Del. Beverly Sherwood (R-Winchester), Del. Lee Ware (R-Powhatan), Del. Vivian Watts (D-Annandale), Del. Tommy Wright (R-Victoria), Sen. John Cosgrove (R-Chesapeake), Sen. Roz Dance (D-Petersburg), Sen. Dave Marsden (D-Burke), Sen. Jennifer McClellan (D-Richmond), 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

Bill Has Passed

History

DateAction
01/09/2008Committee
01/09/2008Prefiled and ordered printed; offered 01/09/08 080036448
01/09/2008Referred to Committee on Commerce and Labor
01/25/2008Assigned C & L sub: 2
01/29/2008Reported from Commerce and Labor with substitute (19-Y 1-N) (see vote tally)
01/30/2008Committee substitute printed 080151448-H1
01/31/2008Read first time
02/01/2008Read second time
02/01/2008Committee substitute agreed to 080151448-H1
02/01/2008Engrossed by House - committee substitute HB1311H1
02/04/2008Read third time and passed House (99-Y 0-N)
02/04/2008VOTE: --- PASSAGE (99-Y 0-N) (see vote tally)
02/04/2008Communicated to Senate
02/05/2008Constitutional reading dispensed
02/05/2008Referred to Committee on Commerce and Labor
02/14/2008Impact statement from DPB (HB1311H1)
02/25/2008Reported from Commerce and Labor (15-Y 0-N) (see vote tally)
02/27/2008Constitutional reading dispensed (40-Y 0-N) (see vote tally)
02/28/2008Read third time
02/28/2008Passed Senate (40-Y 0-N)
03/03/2008Enrolled
03/03/2008Bill text as passed House and Senate (HB1311ER)
03/04/2008Signed by Speaker
03/04/2008Signed by President
03/05/2008Impact statement from DPB (HB1311ER)
03/08/2008Enacted, Chapter (effective 7/1/08)
03/08/2008Governor's recommendation received by House
03/08/2008Placed on Calendar
03/08/2008Governor's substitute printed 089635802-H2
03/08/2008Passed by temporarily
03/08/2008House concurred in Governor's recommendation (89-Y 1-N 1-A)
03/08/2008VOTE: --- ADOPTION (89-Y 1-N 1-A)
03/08/2008Senate concurred in Governor's recommendation (40-Y 0-N)
03/08/2008G Governor's recommendation adopted
03/08/2008Reenrolled
03/08/2008Reenrolled bill text (HB1311ER2)
03/08/2008Signed by Speaker as reenrolled
03/08/2008Signed by President as reenrolled
03/08/2008Enacted, Chapter 496 (effective 7/1/08)
03/14/2008G Acts of Assembly Chapter text (CHAP0496)

Duplicate Bills

The following bills are identical to this one: SB576.

Comments

Virginia ITSP Association, tracking this bill in Photosynthesis, notes:

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.