Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. (a) Except as provided by Subsection (b), a consumer reporting agency may not furnish a consumer report containing information related to:
(1) a case under Title 11 of the United States Code or under the federal Bankruptcy Act in which the date of entry of the order for relief or the date of adjudication predates the consumer report by more than 10 years;
(2) a suit or judgment in which the date of entry predates the consumer report by more than seven years or the governing statute of limitations, whichever is longer;
(3) a tax lien in which the date of payment predates the consumer report by more than seven years;
(4) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years; or
(5) another item or event that predates the consumer report by more than seven years.
(b) A consumer reporting agency may furnish a consumer report that contains information described by Subsection (a) if the information is provided in connection with:
(1) a credit transaction with a principal amount that is or may reasonably be expected to be $150,000 or more;
(2) the underwriting of life insurance for a face amount that is or may reasonably be expected to be $150,000 or more; or
(3) the employment of a consumer at an annual salary that is or may reasonably be expected to be $75,000 or more.
(b-1) A consumer reporting agency may furnish to a person a consumer report that contains information described by Subsection (a) if the information is needed by the person to avoid a violation of 18 U.S.C. Section 1033.
(c) A consumer reporting agency may not furnish medical information about a consumer in a consumer report that is being obtained for employment purposes or in connection with a credit, insurance, or direct marketing transaction unless the consumer consents to the furnishing of the medical information.
Added by Acts 1997, 75th Leg., ch. 1396, Sec. 33(a), eff. Oct. 1, 1997.
Amended by:
Acts 2005, 79th Leg., Ch. 599 (H.B. 1893), Sec. 1, eff. June 17, 2005.
Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 4, eff. January 1, 2014.
Section: Previous 20.035 20.036 20.037 20.038 20.0385 20.039 20.04 20.05 20.06 20.07 20.08 20.09 20.10 20.11 20.12 NextLast modified: September 28, 2016