2012 -- S 2386 SUBSTITUTE A

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STATE OF RHODE ISLAND

IN GENERAL ASSEMBLY

JANUARY SESSION, A.D. 2012

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A N A C T

RELATING TO COMMERCIAL LAW - GENERAL REGULATORY PROVISIONS -

DECEPTIVE TRADE PRACTICES

     Introduced By: Senators Ruggerio, McCaffrey, Bates, Walaska, and Lynch

     Date Introduced: February 15, 2012

     Referred To: Senate Corporations

It is enacted by the General Assembly as follows:

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     SECTION 1. Chapter 6-13.1 of the General Laws entitled "Deceptive Trade Practices" is

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hereby amended by adding thereto the following section:

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     6-13.1-29. Furnishing of credit reports. -- No credit bureau doing business in this state

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shall use all or part of a consumer’s social security number as the sole factor when determining

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whether a credit report in its files matches the identity of a person who is the subject of a credit

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inquiry from a user of credit reports. When a social security number is used as a factor, a credit

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bureau may disclose a credit report in its files to an inquiring user of credit reports only if the

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name and, at a minimum, at least one other identifier such as address, prior address, date of birth,

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mother’s maiden name, place of employment, or prior place of employment, also match the

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identity of the person who is the subject of the inquiry.

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     SECTION 2. This act shall take effect upon passage.

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EXPLANATION

BY THE LEGISLATIVE COUNCIL

OF

A N A C T

RELATING TO COMMERCIAL LAW - GENERAL REGULATORY PROVISIONS -

DECEPTIVE TRADE PRACTICES

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     This act would prohibit credit bureaus doing business in this state from using all or part

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of a consumer’s social security number as the exclusive factor in credit report identity

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determination.

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     This act would take effect upon passage.

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LC01316/SUB A

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