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Texas Business & Commerce Code - Section 20.04. Charges For Certain Disclosures Or Services

Legal Research Home > Texas Lawyer > Business & Commerce Code > Texas Business & Commerce Code - Section 20.04. Charges For Certain Disclosures Or Services

§ 20.04. CHARGES FOR CERTAIN DISCLOSURES OR 
SERVICES.  (a) Except as provided by Subsection (b), a consumer 
reporting agency may impose a reasonable charge on a consumer for 
the disclosure of information pertaining to the consumer or for 
placing a security freeze on a consumer file.  The amount of the 
charge may not exceed $8. On January 1 of each year, a consumer 
reporting agency may increase the charge for disclosure to a 
consumer or for placing a security freeze.  The increase, if any, 
must be based proportionally on changes to the Consumer Price Index 
for All Urban Consumers as determined by the United States 
Department of Labor with fractional changes rounded to the nearest 
50 cents.
	(b)  A consumer reporting agency may not charge a fee for:                     
		(1)  a request by a consumer for a copy of the 
consumer's file:             
			(A)  made not later than the 60th day after the 
date on which adverse action is taken against the consumer;  or
			(B)  made on the expiration of a 45-day security 
alert;                    
		(2)  notification of the deletion of information that 
is found to be inaccurate or can no longer be verified sent to a 
person designated by the consumer, as prescribed by Section 611 of 
the Fair Credit Reporting Act (15 U.S.C. Section 1681i), as 
amended;
		(3)  a set of instructions for understanding the 
information presented on the consumer report;
		(4)  a toll-free telephone number that consumers may 
call to obtain additional assistance concerning the consumer report 
or to request a security alert;  or
		(5)  a request for a security alert made by a consumer.                       

Added by Acts 1997, 75th Leg., ch. 1396, § 33(a), eff. Oct. 1, 
1997.  Amended by Acts 2003, 78th Leg., ch. 1326, § 4, eff. Sept. 
1, 2003.

Last modified: August 10, 2007