Credit reports; authorizes consumer to freeze access thereto. (SB576)

Introduced By

Sen. Dick Saslaw (D-Springfield)


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 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 »


Bill Has Passed


01/09/2008Prefiled and ordered printed; offered 01/09/08 080050324
01/09/2008Referred to Committee on Commerce and Labor
01/29/2008Assigned C&L sub: Financial Institutions & Insurance
02/11/2008Committee substitute printed 080179324-S1
02/11/2008Reported from Commerce and Labor with substitute (15-Y 0-N) (see vote tally)
02/12/2008Committee substitute agreed to 083982232-S1
02/12/2008Read second time
02/12/2008Reading of substitute waived
02/12/2008Committee substitute agreed to 080179324-S1
02/12/2008Engrossed by Senate - committee substitute SB576S1
02/12/2008Constitutional reading dispensed (40-Y 0-N) (see vote tally)
02/12/2008Passed Senate (39-Y 0-N) (see vote tally)
02/12/2008Reconsideration of passage agreed to by Senate (40-Y 0-N) (see vote tally)
02/12/2008Passed Senate (40-Y 0-N) (see vote tally)
02/12/2008Communicated to House
02/14/2008Placed on Calendar
02/14/2008Read first time
02/14/2008Referred to Committee on Commerce and Labor
02/26/2008Reported from Commerce and Labor (22-Y 0-N) (see vote tally)
02/28/2008Read second time
02/29/2008Read third time
02/29/2008Passed House BLOCK VOTE (98-Y 0-N)
02/29/2008VOTE: BLOCK VOTE PASSAGE (98-Y 0-N)
03/04/2008Bill text as passed Senate and House (SB576ER)
03/04/2008Signed by Speaker
03/04/2008Signed by President
03/05/2008Impact statement from DPB (SB576ER)
03/08/2008Governor's substitute printed 089636802-S2
03/08/2008Governor's recommendation received by Senate
03/08/2008Placed on Calendar
03/08/2008Senate concurred in Governor's recommendation (40-Y 0-N)
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)
03/08/2008G Governor's recommendation adopted
03/08/2008Reenrolled bill text (SB576ER2)
03/08/2008Signed by President as reenrolled
03/08/2008Signed by Speaker as reenrolled
03/08/2008Enacted, Chapter 480 (effective 7/1/08)
03/14/2008G Acts of Assembly Chapter text (CHAP0480)

Duplicate Bills

The following bills are identical to this one: HB1311.


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

Authorizes any consumer to freeze access to his credit report.