2012 -- H 7693

=======

LC01829

=======

STATE OF RHODE ISLAND

IN GENERAL ASSEMBLY

JANUARY SESSION, A.D. 2012

____________

A N A C T

RELATING TO COMMERCIAL LAW - GENERAL REGULATORY PROVISIONS -

DECEPTIVE TRADE PRACTICES

     Introduced By: Representatives Kennedy, San Bento, Williams, Lally, and McNamara

     Date Introduced: February 16, 2012

     Referred To: House Corporations

It is enacted by the General Assembly as follows:

1-1

     SECTION 1. Chapter 6-13.1 of the General Laws entitled "Deceptive Trade Practices" is

1-2

hereby amended by adding thereto the following section:

1-3

     6-13.1-29. Disclosure of credit reports. -- No credit bureau doing business in this state

1-4

shall use all or part of a consumer’s social security number as the sole factor when determining

1-5

whether a credit report in its files matches the identity of a person who is the subject of a credit

1-6

inquiry from a user of credit reports. A credit bureau shall disclose a credit report in its files to an

1-7

inquiring user of credit reports only if the name and one other identifier such as address, prior

1-8

address, date of birth, mother’s maiden name, place of employment, or prior place of

1-9

employment, irrespective of the social security number, match the identity of the person who is

1-10

the subject of the inquiry.

1-11

     SECTION 2. This act shall take effect upon passage.

=======

LC01829

========

EXPLANATION

BY THE LEGISLATIVE COUNCIL

OF

A N A C T

RELATING TO COMMERCIAL LAW - GENERAL REGULATORY PROVISIONS -

DECEPTIVE TRADE PRACTICES

***

2-1

     This act would prohibit credit bureaus doing business in this state from using all or part

2-2

of a consumer’s social security number as the exclusive factor in credit report identity

2-3

determination.

2-4

     This act would take effect upon passage.

=======

LC01829

=======