SB 64: "An Act requiring certain consumer reporting agencies to provide individuals with certain information without charge."
00 SENATE BILL NO. 64 01 "An Act requiring certain consumer reporting agencies to provide individuals with 02 certain information without charge." 03 BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF ALASKA: 04 * Section 1. AS 45.45 is amended by adding a new section to read: 05 Sec. 45.45.920. Consumer reporting agency files. (a) A consumer reporting 06 agency that maintains a file on an individual who is a resident of this state shall, at the 07 request of that individual, provide the individual with a complete copy of the 08 individual's file, including all consumer credit reports, each calendar year without 09 charge. 10 (b) In this section, 11 (1) "consumer reporting agency" means a person or business that, for 12 monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or 13 in part in the practice of assembling or evaluating consumer credit information or 14 other information on individuals for the purpose of furnishing consumer reports to
01 third parties, and that uses a means or facility of interstate commerce for the purpose 02 of preparing or furnishing consumer reports; 03 (2) "file" means all the information on an individual recorded and 04 retained by a consumer reporting agency regardless of how the information is stored. 05 * Sec. 2. AS 45.50.471(b) is amended by adding a new paragraph to read: 06 (45) violating AS 45.45.920 (consumer reporting agency files).