Credit reports; authorizes consumer to freeze access thereto. (HB785)

Introduced By

Del. Bob Brink (D-Arlington)


Passed Committee
Passed House
Passed Senate
Signed by Governor
Became Law


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 consumer reporting agency may charge a fee of no more than $5 for establishing a freeze or removing a freeze; however, victims of identity theft shall not be charged a fee and a fee shall not be charged for temporarily lifting a freeze. A system shall be in place by September 1, 2008, to allow for a security freeze to be removed or lifted within 15 minutes if a request is received through an electronic contact method. Violations are a prohibited practice under the Consumer Protection Act. Read the Bill »


01/29/2008: Merged into HB1311


01/08/2008Prefiled and ordered printed; offered 01/09/08 080715810
01/08/2008Referred to Committee on Commerce and Labor
01/25/2008Assigned C & L sub: 2
01/29/2008Incorporated by Commerce and Labor (HB1311-Byron)