Amend SB 27, in SECTION 1 of the bill, in added Section
20.09, Business & Commerce Code (Committee Report, page 6, lines
31-53), by striking Subsections (a)  and (b) and substituting the
following:
      (a)  A consumer reporting agency that wilfully violates this
chapter is liable to the consumer against whom the violation occurs
for the greater of three times the amount of actual damages to the
consumer or $1,000, reasonable attorney fees, and court or
arbitration costs.
      (b)  A consumer reporting agency that negligently violates
this chapter is liable to the consumer against whom the violation
occurs for the greater of the amount of actual damages to the
consumer or $500, reasonable attorney fees, and court or
arbitration costs.  A consumer reporting agency is not considered
to have negligently violated this chapter if, not later than the
30th day after the date on which the agency receives notice of a
dispute from the consumer under Section 20.06 that clearly explains
the nature and substance of the dispute, the agency completes the
reinvestigation and sends the consumer and, at the request of the
consumer, each person who received the consumer information written
notification of the results of the reinvestigation in accordance
with Section 20.06(f).