The bill, S.B. No. 585, amends Section 20.05(a) of the Business & Commerce Code to modify the restrictions on what a consumer reporting agency can include in a consumer report. Specifically, it introduces new provisions that prohibit the reporting of a criminal conviction or juvenile adjudication for individuals who are at least 21 years old, provided that the offense occurred when they were under 18 and they have completed their sentence. Additionally, the bill adds a new category that prevents the reporting of any other item or event that predates the consumer report by more than seven years.

The bill also clarifies that the changes will only apply to consumer reports furnished on or after the effective date of the Act, which is set for September 1, 2025. Reports issued before this date will continue to be governed by the previous law. This legislative change aims to enhance the protection of individuals' privacy and reduce the long-term impact of juvenile offenses on their consumer reports.

Statutes affected:
Introduced: Commerce Code 20.05 (Commerce Code 20)