| 1 | 1 | | 89R577 ATP-D |
|---|
| 2 | 2 | | By: West S.B. No. 585 |
|---|
| 3 | 3 | | |
|---|
| 4 | 4 | | |
|---|
| 5 | 5 | | |
|---|
| 6 | 6 | | |
|---|
| 7 | 7 | | A BILL TO BE ENTITLED |
|---|
| 8 | 8 | | AN ACT |
|---|
| 9 | 9 | | relating to the reporting of certain criminal history record |
|---|
| 10 | 10 | | information on a consumer report. |
|---|
| 11 | 11 | | BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: |
|---|
| 12 | 12 | | SECTION 1. Section 20.05(a), Business & Commerce Code, is |
|---|
| 13 | 13 | | amended to read as follows: |
|---|
| 14 | 14 | | (a) Except as provided by Subsection (b), a consumer |
|---|
| 15 | 15 | | reporting agency may not furnish a consumer report containing |
|---|
| 16 | 16 | | information related to: |
|---|
| 17 | 17 | | (1) a case under Title 11 of the United States Code or |
|---|
| 18 | 18 | | under the federal Bankruptcy Act in which the date of entry of the |
|---|
| 19 | 19 | | order for relief or the date of adjudication predates the consumer |
|---|
| 20 | 20 | | report by more than 10 years; |
|---|
| 21 | 21 | | (2) a suit or judgment in which the date of entry |
|---|
| 22 | 22 | | predates the consumer report by more than seven years or the |
|---|
| 23 | 23 | | governing statute of limitations, whichever is longer; |
|---|
| 24 | 24 | | (3) a tax lien in which the date of payment predates |
|---|
| 25 | 25 | | the consumer report by more than seven years; |
|---|
| 26 | 26 | | (4) a record of arrest, indictment, or conviction of a |
|---|
| 27 | 27 | | crime in which the date of disposition, release, or parole predates |
|---|
| 28 | 28 | | the consumer report by more than seven years; |
|---|
| 29 | 29 | | (5) a collection account with a medical industry code, |
|---|
| 30 | 30 | | if the consumer was covered by a health benefit plan at the time of |
|---|
| 31 | 31 | | the event giving rise to the collection and the collection is for an |
|---|
| 32 | 32 | | outstanding balance, after copayments, deductibles, and |
|---|
| 33 | 33 | | coinsurance, owed to an emergency care provider or a facility-based |
|---|
| 34 | 34 | | provider for an out-of-network benefit claim; [or] |
|---|
| 35 | 35 | | (6) a criminal conviction or juvenile adjudication of |
|---|
| 36 | 36 | | a person who is at least 21 years of age, that occurred when the |
|---|
| 37 | 37 | | person was younger than 18 years of age, and for which the person |
|---|
| 38 | 38 | | completed the person's sentence; or |
|---|
| 39 | 39 | | (7) another item or event that predates the consumer |
|---|
| 40 | 40 | | report by more than seven years. |
|---|
| 41 | 41 | | SECTION 2. The change in law made by this Act to Section |
|---|
| 42 | 42 | | 20.05(a), Business & Commerce Code, applies only to a consumer |
|---|
| 43 | 43 | | report furnished on or after the effective date of this Act. A |
|---|
| 44 | 44 | | consumer report furnished before the effective date of this Act is |
|---|
| 45 | 45 | | governed by the law in effect on the date the report was furnished, |
|---|
| 46 | 46 | | and the former law is continued in effect for that purpose. |
|---|
| 47 | 47 | | SECTION 3. This Act takes effect September 1, 2025. |
|---|