BILL NUMBER: AB 1220	ENROLLED
	BILL TEXT

	PASSED THE SENATE  SEPTEMBER 11, 2013
	PASSED THE ASSEMBLY  MAY 28, 2013
	AMENDED IN ASSEMBLY  MAY 20, 2013
	AMENDED IN ASSEMBLY  MAY 6, 2013
	AMENDED IN ASSEMBLY  APRIL 22, 2013
	AMENDED IN ASSEMBLY  MARCH 21, 2013

INTRODUCED BY   Assembly Member Skinner

                        FEBRUARY 22, 2013

   An act to add Section 1785.10.1 to the Civil Code, relating to
consumer credit.


	LEGISLATIVE COUNSEL'S DIGEST


   AB 1220, Skinner. Consumer credit reporting: adverse action.
   Existing law requires a consumer credit reporting agency, upon
request and proper identification of any consumer, to allow the
consumer to visually inspect all files maintained regarding that
consumer at the time of the request. Existing law additionally grants
a consumer the right to request and receive a written copy of the
file. Existing federal law prohibits a consumer credit reporting
agency from prohibiting a user of a consumer credit report furnished
by the agency from disclosing the contents of the report to the
consumer if adverse action has been taken against the consumer by the
user based on the report.
    This bill would make it unlawful for a consumer credit reporting
agency to prohibit, or to dissuade or attempt to dissuade, a user of
a consumer credit report furnished by the credit reporting agency
from providing a copy of the consumer's credit report to the
consumer, upon the consumer's request, if the user has taken adverse
action against the consumer based upon the report. The bill would
authorize the Attorney General, among others, to bring a civil
action, for a civil penalty not to exceed $5,000, against any credit
reporting agency for a violation of these provisions.


THE PEOPLE OF THE STATE OF CALIFORNIA DO ENACT AS FOLLOWS:

  SECTION 1.  Section 1785.10.1 is added to the Civil Code, to read:
   1785.10.1.  (a) It is unlawful for a consumer credit reporting
agency to prohibit in any manner, including, but not limited to, in
the terms of a contract enforceable in the state, or to dissuade or
attempt to dissuade, a user of a consumer credit report furnished by
the credit reporting agency from providing a copy of the consumer's
credit report to the consumer, upon the consumer's request, if the
user has taken adverse action against the consumer based in whole or
in part upon information in the report.
   (b) The Attorney General, any district attorney or city attorney,
or a city prosecutor in any city or city and county having a
full-time city prosecutor, may bring a civil action in any court of
competent jurisdiction against any credit reporting agency violating
this section for a civil penalty not to exceed five thousand dollars
($5,000) which may be assessed and recovered in a civil action
brought in the name of the people of the State of California.