HOUSE BILL No. 4538


     March 20, 1997, Introduced by Reps. Richner, Griffin, Freeman, Raczkowski, Goschka, Schauer, Rocca, Jaye, Jelinek, Kukuk, Anthony, Godchaux, Callahan, Kaza, Jellema, Cropsey, McBryde, Birkholz, Willard, Scranton, Byl, McManus, Cassis, Fitzgerald, DeVuyst, Jansen, Crissman, Dalman, Alley, Gustafson, Perricone and Voorhees and referred to the Committee
on Commerce.


        A bill to require certain credit reporting agencies to dis-

   close certain information to certain consumers.

               THE PEOPLE OF THE STATE OF MICHIGAN ENACT:

 1         Sec. 1.  As used in this act:

 2         (a) "Consumer" means an individual.

 3         (b) "Consumer report" and "consumer reporting agency" mean

 4    those terms as defined in section 603 of the fair credit report-

 5    ing act, title VI of the consumer credit protection act, Public

 6    Law 90-321, 15 U.S.C.  1681a.

 7         (c) "Person" means an individual, partnership, corporation,

 8    limited liability company, association, governmental entity, or

 9    other legal entity.

10         (d) "Third party" means a person other than a consumer

11    reporting agency or a consumer who is the subject of a consumer

12    report prepared by the consumer reporting agency.


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 1         Sec. 2.  Each time a consumer reporting agency provides a

 2    third party with information about a consumer that is contained

 3    in a consumer report, the consumer reporting agency shall notify

 4    the consumer identified in that report of all of the following:

 5         (a) The name and address of the third party recipient of the

 6    information.

 7         (b) The specific information provided to the third party.

 8         Sec. 3.  A consumer may bring a civil action against a con-

 9    sumer reporting agency that violates this act, and may recover

10    actual damages or $1,000.00, whichever is greater, plus reason-

11    able attorney fees.


































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