130th Ohio General Assembly
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S. B. No. 151As Introduced
As Introduced

125th General Assembly
Regular Session
2003-2004
S. B. No. 151


SENATORS Austria, Schuring, Jacobson



A BILL
To enact sections 1349.04 and 1349.51 of the Revised Code to require consumer reporting agencies to furnish consumers with one free consumer report per calendar year and to prohibit consumer reporting agencies from disclosing certain information obtained from insurer inquiries.

BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF OHIO:
Section 1. That sections 1349.04 and 1349.51 of the Revised Code be enacted to read as follows:
Sec. 1349.04.  (A) As used in this section, "consumer," "consumer report," and "consumer reporting agency that compiles and maintains files on consumers on a nationwide basis" have the same meanings as in the "Fair Credit Reporting Act," 84 Stat. 1128 (1970), 15 U.S.C.A. 1681a, as amended.
(B) Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall furnish, upon request and without charge, to any consumer who has provided an appropriate verification of the consumer's identity, one complete consumer report per calendar year.
Sec. 1349.51.  (A) As used in this section, "consumer report" and "consumer reporting agency" have the same meanings as in the "Fair Credit Reporting Act," 84 Stat. 1128 (1970), 15 U.S.C.A. 1681a, as amended.
(B) No consumer reporting agency shall sell or otherwise furnish a consumer report containing any information relative to an individual's insurance coverage that was submitted, in whole or in part, in conjunction with an insurance company's inquiry into an individual's credit history or request for a consumer report. This information includes, but is not limited to, the expiration date of an insurance policy, information that may be used to find a policy's expiration date or approximate expiration date, and the terms and conditions of an insurance policy.
(C) Division (B) of this section does not prohibit a consumer reporting agency from furnishing information relative to an individual's insurance coverage to the agent or producer that supplied the information.
(D) Division (B) of this section does not prohibit a consumer reporting agency from furnishing information relative to an individual's insurance coverage to an insurance company, the insurer's affiliates, or members of a holding company in which the insurer is a member, if the information was supplied by an agent or producer acting on behalf of the insurer.
(E) Nothing in this section shall be construed to prohibit an insurance company from obtaining a claims history or motor vehicle report.
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