Consumer Access Rights Defense Act (CARD) of 2005

Bill: 109-hr-3501
Sponsor: Rep. Carson, Julia [D-IN-7]
Introduced: 2005-07-28 in the House
Policy area: Commerce
Subjects: Bank records
Business records
Civil actions and liability
Computer crimes
Computer security measures
Congress
Congressional reporting requirements
Consumer credit
Consumer education
Consumer protection
Crime and Law Enforcement
Criminal investigation
Damages
Data banks
Electronic mail systems
Evidence (Law)
Federal preemption
Finance and Financial Sector
Financial statements
Fines (Penalties)
Fraud
Government Operations and Politics
Government paperwork
Government publicity
Identification devices
Identity theft
Injunctions
Internet
Law
Science, Technology, Communications
Social Welfare
Social security numbers
Telephone
Web sites

Summary:
action_date: 2005-07-28
text: 
Consumer Access Rights Defense Act (CARD) of 2005 - Requires database security breach disclosures by an agency, or person engaged in interstate commerce, that owns, licenses, or collects data containing personal information, as well as notification of individuals whose personal information was acquired by an unauthorized person.
 
Cites conditions which exempt national security and law enforcement agencies from this Act.
 
Prescribes guidelines for coordinated notification of database security breaches with credit reporting agencies.
 
Grants the Federal Trade Commission enforcement powers, including the assessment of civil fines.
 
Amends the Fair Credit Reporting Act to require a consumer reporting agency to place an extended fraud alert into a consumer file when a consumer submits evidence of notification that personal financial information has or may have been compromised.
 
Empowers State Attorneys General to enforce this Act.
 
Preempts state or local law inconsistent with this Act.


Legislative actions:
action_date: 2005-08-24
text: Referred to the Subcommittee on Financial Institutions and Consumer Credit.
action_date: 2005-08-05
text: Referred to the Subcommittee on Commerce, Trade and Consumer Protection.
action_date: 2005-07-29
text: Sponsor introductory remarks on measure. (CR E1743-1744)
action_date: 2005-07-28
text: Referred to the Committee on Energy and Commerce, and in addition to the Committees on Government Reform, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
action_date: 2005-07-28
text: Referred to the Committee on Energy and Commerce, and in addition to the Committees on Government Reform, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
action_date: 2005-07-28
text: Referred to the Committee on Energy and Commerce, and in addition to the Committees on Government Reform, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
action_date: 2005-07-28
text: Referred to the Committee on Energy and Commerce, and in addition to the Committees on Government Reform, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
action_date: 2005-07-28
text: Introduced in House
action_date: 2005-07-28
text: Introduced in House