Credit reports; authorizes military personnel and their spouses to freeze access thereto. (HB175)

Introduced By

Del. Onzlee Ware (D-Roanoke)


Passed Committee
Passed House
Passed Senate
Signed by Governor
Became Law


Credit reports; military personnel and their spouses. Authorizes Virginia domiciled members of the armed services and their spouses to freeze access to their credit reports. 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 the service member or spouse can release his report. 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. The measure also prohibits a credit account from being opened in the name of such a consumer who has a security freeze in effect without his express prior written authorization. Violations are prohibited practices under the Virginia Consumer Protection Act. Read the Bill »


01/29/2008: Merged into HB1311


12/26/2007Prefiled and ordered printed; offered 01/09/08 081056776
12/26/2007Referred to Committee on Commerce and Labor
01/14/2008Assigned C & L sub: 2
01/16/2008Impact statement from DPB (HB175)
01/29/2008Incorporated by Commerce and Labor (HB1311-Byron)


Virginia Interfaith Center, tracking this bill in Photosynthesis, notes:

Freezing access to credit makes sense. It allows consumers to be the masters of their own financial destiny and promotes responsibility. With the rapid thaw option available a credit freeze is about consumer protection and confidence.

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

rolled into Byron's bill 1311