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

Introduced By

Del. Lee Ware (R-Powhatan) with support from 10 copatrons, whose average partisan position is:

Those copatrons are Del. Clay Athey (R-Front Royal), Del. Rob Bell (R-Charlottesville), Del. Mark Cole (R-Fredericksburg), Del. Anne Crockett-Stark (R-Wytheville), Del. Todd Gilbert (R-Woodstock), Del. Scott Lingamfelter (R-Woodbridge), Del. Jimmie Massie (R-Richmond), Del. Don Merricks (R-Danville), Del. Beverly Sherwood (R-Winchester), Sen. John Cosgrove (R-Chesapeake)


Passed Committee
Passed House
Passed Senate
Signed by Governor
Became Law


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 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 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. Read the Bill »


01/29/2008: Merged into HB1311


11/27/2007Prefiled and ordered printed; offered 01/09/08 084325780
11/27/2007Referred to Committee on Commerce and Labor
01/14/2008Assigned C & L sub: 2
01/16/2008Impact statement from DPB (HB16)
01/29/2008Incorporated by Commerce and Labor (HB1311-Byron)


Jay S., tracking this bill in Photosynthesis, notes:

rolled into Byron's bill

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'..

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.