The main concept is that the database companies will become accountable to consumers for the use in their personal information. In addition, courts may order access to the data. However, if the data was misused, the database companies would become accountable. Limit access only for certain pre-approved categories of reasons. Each category entails only pre-determined portions of the record.
Consumers have a right to accept or deny a use in each category.
Limit access to specific pre-approved groups of qualified recipients. Qualification to certain categories may require federal licensing. Bureaus will be responsible to keep complete records and audit trail on all requests and accesses. Bureaus will report all accesses to the subject person periodically or by request, and make their records available in disputes. Recipients will be liable for unauthorized USE of accessed information.