HB 1187 2003
1	A bill to be entitled
2	An act relating to consumer credit report protection;
3	creating s. 655.9545, F.S.; requiring credit reporting
4	agencies to provide a process for establishing consumer
5	personal identification numbers for purposes of
6	restricting access to credit records; requiring entities
7	providing and checking credit to provide consumers with
8	credit checking agency information; requiring opportunity
9	for consumers to establish personal identification numbers
10	before certain entities may access credit records;
11	providing an effective date.
12
13	Be It Enacted by the Legislature of the State of Florida:
14
15	Section 1. Section 655.9545, Florida Statutes, is created
16	to read:
17	655.9545 Consumer protections on credit checks.--
18	(1) Credit reporting agencies offering services to
19	businesses in this state shall provide a process for a consumer
20	to set up a personal identification number to protect the
21	consumer’s credit report.
22	(2) Prior to checking a person’s consumer credit, a
23	financial institution providing credit or a third party offering
24	credit on behalf of a financial institution shall provide the
25	person with the name of the credit reporting agency to be used
26	by the institution or third party. Before checking the person’s
27	credit, the institution or third party shall provide the
28	consumer with an opportunity to establish a personal
29	identification number with such agency for his or her credit
30	report. Once the person has established a personal
31	identification number, the credit reporting agency shall not
32	provide access by the financial institution or third party to
33	the consumer’s credit report unless the consumer has provided
34	such number to the financial institution or third party.
35	Section 2. This act shall take effect January 1, 2004.