| |
| |
|
|
A BILL TO BE ENTITLED
|
|
|
AN ACT
|
|
|
relating to a fee charged by a consumer reporting agency for the |
|
|
placement, removal, or temporary lifting of a security freeze on |
|
|
the consumer file of certain elderly persons. |
|
|
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: |
|
|
SECTION 1. Section 20.04(b), Business & Commerce Code, is |
|
|
amended to read as follows: |
|
|
(b) A consumer reporting agency may not charge a fee for: |
|
|
(1) a request by a consumer for a copy of the |
|
|
consumer's file: |
|
|
(A) made not later than the 60th day after the |
|
|
date on which adverse action is taken against the consumer; or |
|
|
(B) made on the expiration of a 45-day security |
|
|
alert; |
|
|
(2) notification of the deletion of information that |
|
|
is found to be inaccurate or can no longer be verified sent to a |
|
|
person designated by the consumer, as prescribed by Section 611 of |
|
|
the Fair Credit Reporting Act (15 U.S.C. Section 1681i), as |
|
|
amended; |
|
|
(3) a set of instructions for understanding the |
|
|
information presented on the consumer report; |
|
|
(4) a toll-free telephone number that consumers may |
|
|
call to obtain additional assistance concerning the consumer report |
|
|
or to request a security alert; |
|
|
(5) a request for a security alert made by a consumer; |
|
|
or |
|
|
(6) the placement, temporary lifting, or removal of a |
|
|
security freeze at the request of a consumer who: |
|
|
(A) submits [has submitted] to the consumer |
|
|
reporting agency a copy of a valid police report, investigative |
|
|
report, or complaint involving the alleged commission of an offense |
|
|
under Section 32.51, Penal Code; or |
|
|
(B) is 65 years of age or older. |
|
|
SECTION 2. The change in law made by this Act applies only |
|
|
to a request for the placement, temporary lifting, or removal of a |
|
|
security freeze made on or after the effective date of this Act. A |
|
|
request for the placement, temporary lifting, or removal of a |
|
|
security freeze made before the effective date of this Act is |
|
|
governed by the law in effect when the request was made, and the |
|
|
former law is continued in effect for that purpose. |
|
|
SECTION 3. This Act takes effect September 1, 2009. |