Legislature(2015 - 2016)BELTZ 105 (TSBldg)
01/28/2016 01:30 PM LABOR & COMMERCE
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SB 121-SECURITY FREEZE ON MINOR'S CREDIT REPORT 1:34:21 PM CHAIR COSTELLO announced the consideration of SB 121. [This is the second hearing and public testimony is closed.] 1:34:45 PM EDRA MORLEDGE, staff to Senator Kevin Meyer, sponsor of SB 121, stated that she provided a supplemental packet based on the questions that were asked during the previous meeting. She recapped the following questions and answers: Q. Senator Stevens inquired as to the meaning of "has not had the disabilities of a minor removed...: and asked if there might be a better way to state that. A. The specific wording on lines 9-10 of the bill directly references Alaska Statute 09.55.590, and refers to minors that have been emancipated. As the bill sponsor, I do not object to different terminology if it allows for a clearer reading and understanding of the legislation, if the drafters are able to do so within their drafting guidelines. Q. Senator Ellis inquired as to where the idea for the legislation came from. A. A constituent of Senate District M, Laura Hughes, brought the idea for the legislation to my office last summer. Since that time, we've discovered a number of states with similar laws on the books or in the process of passing similar legislation. SB 121 is modeled after legislation as researched through the National Council of State Government. Q. Senator Ellis asked if Alaska would be the fifth state to adopt this legislation. A. The most current data available from the NCSL website lists: · 27 states allow "any consumer" to request a security freeze on their credit report, · 4 states use the terminology "any consumer that is a resident," · 4 states allow a parent or guardian of a minor under 18 to request a freeze, · 20 states specifically allow a parent or guardian of a minor under age 16 to request a freeze, · 19 states specifically allow a parent or guardian of a "protected" or an "incapacitated" person to request a freeze, · 5 states specify the individual for whom the freeze is requested has been a victim of identity theft, and · 2 states allow for a credit freeze only in the case of identity theft (Mississippi and South Dakota). Aside from the states that only specify "a consumer," or "a victim of identity theft," the rest are a mixture of the remaining criteria listed above. Q. Senator Stevens inquired as to the process for lifting a credit freeze. A. The specific section of Alaska's Personal Information Protection Act that governs removal of security freeze is AS 45.48.140. This section states that the consumer can request the removal of the freeze by contacting the agency by mail or in accordance with other established procedures (electronic means), and provide information required to establish identity. At that point, the consumer credit reporting agency has 3 business days to remove the freeze. Q. Senator Costello asked what the national average is for child identity theft. A. The national figure for child identity theft varies depending on the source, but generally it is reported at between 10-11 %. MS. MORLEDGE noted that the packets also contain communications from the Department of Law (DOL) indicating that they do not have an issue with the current wording of the bill. CHAIR COSTELLO asked the sponsor if he had any comments. 1:37:52 PM SENATOR MEYER said he is pleased that the constituent brought the issue forward and his staff summarized the bill nicely. 1:38:09 PM SENATOR GIESSEL motioned to report SB 121, labeled 29-LS1129\A, from committee with individual recommendations and attached fiscal note(s). CHAIR COSTELLO announced that without objection, SB 121 is reported from the Senate Labor and Commerce Standing Committee.