By:  Eiland (Senate Sponsor - Averitt)                            H.B. No. 1893
	(In the Senate - Received from the House May 2, 2005; 
May 3, 2005, read first time and referred to Committee on Business 
and Commerce; May 12, 2005, reported favorably by the following 
vote:  Yeas 8, Nays 0; May 12, 2005, sent to printer.)


A BILL TO BE ENTITLED

AN ACT


relating to authorizing a consumer credit reporting agency to 
provide certain information if the information is needed to avoid a 
violation of federal law.
	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:                        
	SECTION 1.  Section 20.05, Business & Commerce Code, is 
amended by adding Subsection (b-1) to read as follows:
	(b-1)  A consumer reporting agency may furnish to a person a 
consumer report that contains information described by Subsection 
(a) if the information is needed by the person to avoid a violation 
of 18 U.S.C. Section 1033.
	SECTION 2.  This Act applies only to a consumer report 
furnished by a consumer reporting agency on or after the effective 
date of this Act.  A consumer report furnished before the effective 
date of this Act is covered by the law in effect on the date the 
consumer report was furnished, and the former law is continued in 
effect for that purpose.
	SECTION 3.  This Act takes effect immediately if it receives 
a vote of two-thirds of all the members elected to each house, as 
provided by Section 39, Article III, Texas Constitution.  If this 
Act does not receive the vote necessary for immediate effect, this 
Act takes effect September 1, 2005.



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