79R788 ATP-D

By:  Ellis                                                        S.B. No. 99 



A BILL TO BE ENTITLED

AN ACT

relating to the extension of credit to a victim of identity theft.            
	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:                        
	SECTION 1.  Section 341.401(a), Finance Code, is amended to 
read as follows: 
	(a)  An authorized lender or other person involved in a 
transaction subject to this title may not deny to an individual who 
has the capacity to contract an extension of credit, including a 
loan, in the individual's name or restrict or limit the credit 
extended:
		(1)  because of sex, race, color, religion, national 
origin, marital status, or age;
		(2)  because all or part of the individual's income 
derives from a public assistance program in the form of social 
security or supplemental security income;  [or]
		(3)  because the individual has in good faith exercised 
a right under the Consumer Credit Protection Act (15 U.S.C. Section 
1601 et seq.;  18 U.S.C. Section 891 et seq.); or
		(4)  because the individual has been a victim of 
identity theft.     
	SECTION 2.  This Act takes effect September 1, 2005.