| TO: |  Honorable Helen  Giddings, Chair, House Committee on Business & Industry                           | 
| FROM: |  John  Keel, Director, Legislative Budget Board | 
| IN RE: | SB473 by Ellis, Rodney (relating to assisting consumers to prevent and detect identity theft; provding penalties. ), Committee Report 2nd House, Substituted | 
| Source Agencies: | 466 Office of Consumer Credit Commissioner | 
| LBB Staff: |  JK, JRO, WK, RT, RB |