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| To enact sections 1349.04 and 1349.51 of the Revised | 1 |
| Code to require consumer reporting agencies to | 2 |
| furnish consumers with one free consumer report | 3 |
| per calendar year and to prohibit consumer | 4 |
| reporting agencies from disclosing certain | 5 |
| information obtained from insurer inquiries. | 6 |
| Section 1. That sections 1349.04 and 1349.51 of the Revised | 7 |
| Code be enacted to read as follows: | 8 |
| Sec. 1349.04. (A) As used in this section, "consumer," | 9 |
| "consumer report," and "consumer reporting agency that compiles | 10 |
| and maintains files on consumers on a nationwide basis" have the | 11 |
| same meanings as in the "Fair Credit Reporting Act," 84 Stat. 1128 | 12 |
| (1970), 15 U.S.C.A. 1681a, as amended. | 13 |
| (B) Each consumer reporting agency that compiles and | 14 |
| maintains files on consumers on a nationwide basis shall furnish, | 15 |
| upon request and without charge, to any consumer who has provided | 16 |
| an appropriate verification of the consumer's identity, one | 17 |
| complete consumer report per calendar year. | 18 |
| Sec. 1349.51. (A) As used in this section, "consumer report" | 19 |
| and "consumer reporting agency" have the same meanings as in the | 20 |
| "Fair Credit Reporting Act," 84 Stat. 1128 (1970), 15 U.S.C.A. | 21 |
| 1681a, as amended. | 22 |
| (B) No consumer reporting agency shall sell or otherwise | 23 |
| furnish a consumer report containing any information relative to | 24 |
| an individual's insurance coverage that was submitted, in whole or | 25 |
| in part, in conjunction with an insurance company's inquiry into | 26 |
| an individual's credit history or request for a consumer report. | 27 |
| This information includes, but is not limited to, the expiration | 28 |
| date of an insurance policy, information that may be used to find | 29 |
| a policy's expiration date or approximate expiration date, and the | 30 |
| terms and conditions of an insurance policy. | 31 |
| (C) Division (B) of this section does not prohibit a consumer | 32 |
| reporting agency from furnishing information relative to an | 33 |
| individual's insurance coverage to the agent or producer that | 34 |
| supplied the information. | 35 |
| (D) Division (B) of this section does not prohibit a consumer | 36 |
| reporting agency from furnishing information relative to an | 37 |
| individual's insurance coverage to an insurance company, the | 38 |
| insurer's affiliates, or members of a holding company in which the | 39 |
| insurer is a member, if the information was supplied by an agent | 40 |
| or producer acting on behalf of the insurer. | 41 |
| (E) Nothing in this section shall be construed to prohibit an | 42 |
| insurance company from obtaining a claims history or motor vehicle | 43 |
| report. | 44 |