Credit reports; authorizes consumer to freeze access thereto. (HB35)

Introduced By

Del. Glenn Oder (R-Newport News) with support from 8 copatrons, whose average partisan position is:

Those copatrons are Del. Clay Athey (R-Front Royal), Del. Mark Cole (R-Fredericksburg), Del. Todd Gilbert (R-Woodstock), Del. Jimmie Massie (R-Richmond), Del. Don Merricks (R-Danville), Del. Beverly Sherwood (R-Winchester), Sen. Bill Carrico (R-Grayson), Sen. John Cosgrove (R-Chesapeake)

Progress

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

Description

Security freezes on credit reports; penalty. 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 may release his report, permanently, temporarily, or to a specific third party. Consumer reporting agencies may charge a consumer up to $5 for each freeze, removal of the freeze, or temporary lift of the freeze; however, no charge shall be assessed to victims of identity theft or to consumers age 65 or older. A violation is a prohibited practice under the Consumer Protection Act. Read the Bill »

Status

01/29/2008: Merged into HB1311

History

DateAction
12/04/2007Committee
12/04/2007Prefiled and ordered printed; offered 01/09/08 084429668
12/04/2007Referred to Committee on Commerce and Labor
01/14/2008Assigned C & L sub: 2
01/16/2008Impact statement from DPB (HB35)
01/29/2008Incorporated by Commerce and Labor (HB1311-Byron)

Comments

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

rolled into Byron's Bill

John Shields writes:

Waldo:

I think we do need a law for this. Experian and Trans-Union have procedures in place to freeze their records (there's a $10 fee to place or lift a freeze), but Equifax wants $6.95 a month to place and maintain a freeze. For my family, that would mean paying Equifax $250 a year. How reasonable is that?