bill keeping youthful records off consumer reports

The text as introduced · 387 words

89R577 ATP-D

By: West
S.B. No. 585

A BILL TO BE ENTITLED

AN ACT

relating to the reporting of certain criminal history record

information on a consumer report.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Section 20.05(a), Business & Commerce Code, is

amended to read as follows:

(a) Except as provided by Subsection (b), a consumer

reporting agency may not furnish a consumer report containing

information related to:

(1) a case under Title 11 of the United States Code or

under the federal Bankruptcy Act in which the date of entry of the

order for relief or the date of adjudication predates the consumer

report by more than 10 years;

(2) a suit or judgment in which the date of entry

predates the consumer report by more than seven years or the

governing statute of limitations, whichever is longer;

(3) a tax lien in which the date of payment predates

the consumer report by more than seven years;

(4) a record of arrest, indictment, or conviction of a

crime in which the date of disposition, release, or parole predates

the consumer report by more than seven years;

(5) a collection account with a medical industry code,

if the consumer was covered by a health benefit plan at the time of

the event giving rise to the collection and the collection is for an

outstanding balance, after copayments, deductibles, and

coinsurance, owed to an emergency care provider or a facility-based

provider for an out-of-network benefit claim; [ or ]

(6) a criminal conviction or juvenile adjudication of

a person who is at least 21 years of age, that occurred when the

person was younger than 18 years of age, and for which the person

completed the person's sentence; or

(7) another item or event that predates the consumer

report by more than seven years.

SECTION 2. The change in law made by this Act to Section

20.05(a), Business & Commerce Code, applies only to a consumer

report furnished on or after the effective date of this Act. A

consumer report furnished before the effective date of this Act is

governed by the law in effect on the date the report was furnished,

and the former law is continued in effect for that purpose.

SECTION 3. This Act takes effect September 1, 2025.