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A BILL TO BE ENTITLED
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AN ACT
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relating to limitations on the information reported by consumer |
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reporting agencies. |
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BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: |
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SECTION 1. Section 20.05(a), Business & Commerce Code, is |
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amended to read as follows: |
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(a) Except as provided by Subsection (b), a consumer |
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reporting agency may not furnish a consumer report containing |
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information related to: |
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(1) a case under Title 11 of the United States Code or |
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under the federal Bankruptcy Act in which the date of entry of the |
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order for relief or the date of adjudication predates the consumer |
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report by more than 10 years; |
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(2) a suit or judgment in which the date of entry |
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predates the consumer report by more than seven years or the |
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governing statute of limitations, whichever is longer; |
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(3) a tax lien in which the date of payment predates |
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the consumer report by more than seven years; |
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(4) a record of [arrest, indictment, or] conviction of |
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a crime in which the date of disposition, release, or parole |
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predates the consumer report by more than seven years; |
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(4-a) a record of arrest, charge, or indictment for an |
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alleged crime that did not result in a conviction or a grant of |
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deferred adjudication community supervision; |
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(5) a collection account with a medical industry code, |
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if the consumer was covered by a health benefit plan at the time of |
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the event giving rise to the collection and the collection is for an |
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outstanding balance, after copayments, deductibles, and |
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coinsurance, owed to an emergency care provider or a facility-based |
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provider for an out-of-network benefit claim; or |
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(6) another item or event that predates the consumer |
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report by more than seven years. |
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SECTION 2. This Act takes effect immediately if it receives |
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a vote of two-thirds of all the members elected to each house, as |
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provided by Section 39, Article III, Texas Constitution. If this |
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Act does not receive the vote necessary for immediate effect, this |
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Act takes effect September 1, 2025. |