reglab/housing_qa huggingface dataset:
TX Bus & Com Code § 20.03 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter A. General Requirements|Section 20.03. Disclosures to Consumers

Sec. 20.03.  DISCLOSURES TO CONSUMERS.  (a)  On request and proper identification provided by a consumer, a consumer reporting agency shall disclose to the consumer in writing all information pertaining to the consumer in the consumer reporting agency's files at the time of the request, including:(1)  the name of each person requesting credit information about the consumer during the preceding six months and the date of each request;(2)  a set of instructions describing how information is presented on the consumer reporting agency's written disclosure of the consumer file;  and(3)  if the consumer reporting agency compiles and maintains files on a nationwide basis, a toll-free number at which personnel are available to consumers during normal business hours for use in resolving a dispute if the consumer submits a written dispute to the consumer reporting agency.(b)  The information must be disclosed in a clear, accurate manner that is understandable to a consumer.(c)  A consumer reporting agency shall provide a copy of the consumer's file to the consumer on the request of the consumer and on evidence of proper identification, as directed by the Fair Credit Reporting Act (15 U.S.C. Section 1681 et seq.), as amended, and regulations adopted under that Act.(d)  Any written disclosure to a consumer by a consumer reporting agency under this chapter must include a written statement that explains in clear and simple language the consumer's rights under this chapter and includes:(1)  the process for receiving a consumer report or consumer file;(2)  the process for requesting or removing a security alert or freeze;(3)  the toll-free telephone number for requesting a security alert;(4)  applicable fees;(5)  dispute procedures;(6)  the process for correcting a consumer file or report;  and(7)  information on a consumer's right to bring an action in court or arbitrate a dispute.|Added by Acts 1997, 75th Leg., ch. 1396, Sec. 33(a), eff. Oct. 1, 1997.  Amended by Acts 2003, 78th Leg., ch. 1326, Sec. 2, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 2, eff. January 1, 2014.|
TX Bus & Com Code § 20.031 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter B. Security Alert and Security Freeze|Section 20.031. Requesting Security Alert

Sec. 20.031.  REQUESTING SECURITY ALERT.  On a request in writing or by telephone and with proper identification provided by a consumer, a consumer reporting agency shall place a security alert on the consumer's consumer file not later than 24 hours after the date the agency receives the request.  The security alert must remain in effect for not less than 45 days after the date the agency places the security alert on the file.  There is no limit on the number of security alerts a consumer may request.  At the end of a 45-day security alert, on request in writing or by telephone and with proper identification provided by the consumer, the agency shall provide the consumer with a copy of the consumer's file.  A consumer may include with the security alert request a telephone number to be used by persons to verify the consumer's identity before entering into a transaction with the consumer.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.|
TX Bus & Com Code § 20.032 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter B. Security Alert and Security Freeze|Section 20.032. Notification of Security Alert

Sec. 20.032.  NOTIFICATION OF SECURITY ALERT.  A consumer reporting agency shall notify a person who requests a consumer report if a security alert is in effect for the consumer file involved in that report and include a verification telephone number for the consumer if the consumer has provided a number under Section 20.031.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.|
TX Bus & Com Code § 20.033 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter B. Security Alert and Security Freeze|Section 20.033. Toll-Free Security Alert Request Number

Sec. 20.033.  TOLL-FREE SECURITY ALERT REQUEST NUMBER.  A consumer reporting agency shall maintain a toll-free telephone number that is answered at a minimum during normal business hours to accept security alert requests from consumers.  If calls are not answered after normal business hours, an automated answering system shall record requests and calls shall be returned to the consumer not later than two hours after the time the normal business day begins on the next business day after the date the call was received.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.|
TX Bus & Com Code § 20.034 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter B. Security Alert and Security Freeze|Section 20.034. Requesting Security Freeze

Sec. 20.034.  REQUESTING SECURITY FREEZE.  (a)  On written request sent by certified mail that includes proper identification provided by a consumer, a consumer reporting agency shall place a security freeze on a consumer's consumer file not later than the fifth business day after the date the agency receives the request.(b)  On written request for a security freeze provided by a consumer under Subsection (a), a consumer reporting agency shall disclose to the consumer the process of placing, removing, and temporarily lifting a security freeze and the process for allowing access to information from the consumer's consumer file for a specific requester or period while the security freeze is in effect.(c)  A consumer reporting agency shall, not later than the 10th business day after the date the agency receives the request for a security freeze:(1)  send a written confirmation of the security freeze to the consumer;  and(2)  provide the consumer with a unique personal identification number or password to be used by the consumer to authorize a removal or temporary lifting of the security freeze under Section 20.037.(d)  A consumer may request in writing a replacement personal identification number or password.  The request must comply with the requirements for requesting a security freeze under Subsection (a).  The consumer reporting agency shall not later than the third business day after the date the agency receives the request for a replacement personal identification number or password provide the consumer with a new unique personal identification number or password to be used by the consumer instead of the number or password that was provided under Subsection (c).|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.Amended by: Acts 2007, 80th Leg., R.S., Ch. 1143 (S.B. 222), Sec. 1, eff. September 1, 2007.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.|
TX Bus & Com Code § 20.035 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter B. Security Alert and Security Freeze|Section 20.035. Notification of Change

Sec. 20.035.  NOTIFICATION OF CHANGE.  If a security freeze is in place, a consumer reporting agency shall notify the consumer in writing of a change in the consumer file to the consumer's name, date of birth, social security number, or address not later than 30 calendar days after the date the change is made.  The agency shall send notification of a change of address to the new address and former address.  This section does not require notice of an immaterial change, including a street abbreviation change or correction of a transposition of letters or misspelling of a word.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.|
TX Bus & Com Code § 20.036 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter B. Security Alert and Security Freeze|Section 20.036. Notification of Security Freeze

Sec. 20.036.  NOTIFICATION OF SECURITY FREEZE.  A consumer reporting agency shall notify a person who requests a consumer report if a security freeze is in effect for the consumer file involved in that report.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.|
TX Bus & Com Code § 20.037 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter B. Security Alert and Security Freeze|Section 20.037. Removal or Temporary Lifting of Security Freeze

Sec. 20.037.  REMOVAL OR TEMPORARY LIFTING OF SECURITY FREEZE.  (a)  On a request in writing or by telephone and with proper identification provided by a consumer, including the consumer's personal identification number or password provided under Section 20.034, a consumer reporting agency shall remove a security freeze not later than the third business day after the date the agency receives the request.(b)  On a request in writing or by telephone and with proper identification provided by a consumer, including the consumer's personal identification number or password provided under Section 20.034, a consumer reporting agency, not later than the third business day after the date the agency receives the request, shall temporarily lift the security freeze for:(1)  a certain properly designated period;  or(2)  a certain properly identified requester.(c)  A consumer reporting agency may develop procedures involving the use of a telephone, a facsimile machine, the Internet, or another electronic medium to receive and process a request from a consumer under this section.(d)  A consumer reporting agency shall remove a security freeze placed on a consumer file if the security freeze was placed due to a material misrepresentation of fact by the consumer.  The consumer reporting agency shall notify the consumer in writing before removing the security freeze under this subsection.(e)  Repealed by Acts 2007, 80th Leg., R.S., Ch. 1143, Sec. 4, eff. September 1, 2007.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.Amended by: Acts 2007, 80th Leg., R.S., Ch. 1143 (S.B. 222), Sec. 4, eff. September 1, 2007.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.|
TX Bus & Com Code § 20.038 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter B. Security Alert and Security Freeze|Section 20.038. Exemption From Security Freeze

Sec. 20.038.  EXEMPTION FROM SECURITY FREEZE.  A security freeze does not apply to a consumer report provided to:(1)  a state or local governmental entity, including a law enforcement agency or court or private collection agency, if the entity, agency, or court is acting under a court order, warrant, subpoena, or administrative subpoena;(2)  a child support agency as defined by Section 101.004, Family Code, acting to investigate or collect child support payments or acting under Title IV-D of the Social Security Act (42 U.S.C. Section 651 et seq.);(3)  the Health and Human Services Commission acting under Section 531.102, Government Code;(4)  the comptroller acting to investigate or collect delinquent sales or franchise taxes;(5)  a tax assessor-collector acting to investigate or collect delinquent ad valorem taxes;(6)  a person for the purposes of prescreening as provided by the Fair Credit Reporting Act (15 U.S.C. Section 1681 et seq.), as amended;(7)  a person with whom the consumer has an account or contract or to whom the consumer has issued a negotiable instrument, or the person's subsidiary, affiliate, agent, assignee, prospective assignee, or private collection agency, for purposes related to that account, contract, or instrument;(8)  a subsidiary, affiliate, agent, assignee, or prospective assignee of a person to whom access has been granted under Section 20.037(b);(9)  a person who administers a credit file monitoring subscription service to which the consumer has subscribed;(10)  a person for the purpose of providing a consumer with a copy of the consumer's report on the consumer's request;(11)  a check service or fraud prevention service company that issues consumer reports:(A)  to prevent or investigate fraud;  or(B)  for purposes of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payment;(12)  a deposit account information service company that issues consumer reports related to account closures caused by fraud, substantial overdrafts, automated teller machine abuses, or similar negative information regarding a consumer to an inquiring financial institution for use by the financial institution only in reviewing a consumer request for a deposit account with that institution;  or(13)  a consumer reporting agency that:(A)  acts only to resell credit information by assembling and merging information contained in a database of another consumer reporting agency or multiple consumer reporting agencies;  and(B)  does not maintain a permanent database of credit information from which new consumer reports are produced.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.|
TX Bus & Com Code § 20.0385 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter B. Security Alert and Security Freeze|Section 20.0385. Applicability of Security Alert and Security Freeze

Sec. 20.0385.  APPLICABILITY OF SECURITY ALERT AND SECURITY FREEZE.  (a)  The requirement under this chapter to place a security alert or security freeze on a consumer file does not apply to:(1)  a check service or fraud prevention service company that issues consumer reports:(A)  to prevent or investigate fraud; or(B)  for purposes of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payment; or(2)  a deposit account information service company that issues consumer reports related to account closures caused by fraud, substantial overdrafts, automated teller machine abuses, or similar negative information regarding a consumer to an inquiring financial institution for use by the financial institution only in reviewing a consumer request for a deposit account with that institution.(b)  The requirement under this chapter to place a security freeze on a consumer file does not apply to a consumer reporting agency that:(1)  acts only to resell credit information by assembling and merging information contained in a database of another consumer reporting agency or multiple consumer reporting agencies; and(2)  does not maintain a permanent database of credit information from which new consumer reports are produced.(c)  Notwithstanding Section 20.12, a violation of a requirement under this chapter to place, temporarily lift, or remove a security freeze on a consumer file is not a false, misleading, or deceptive act or practice under Subchapter E, Chapter 17.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.Amended by: Acts 2007, 80th Leg., R.S., Ch. 1143 (S.B. 222), Sec. 2, eff. September 1, 2007.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.|
TX Bus & Com Code § 20.039 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter B. Security Alert and Security Freeze|Section 20.039. Respect of Security Freeze

Sec. 20.039.  RESPECT OF SECURITY FREEZE.  A consumer reporting agency shall honor a security freeze placed on a consumer file by another consumer reporting agency.|Added by Acts 2003, 78th Leg., ch. 1326, Sec. 3, eff. Sept. 1, 2003.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 3, eff. January 1, 2014.|
TX Bus & Com Code § 20.04 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter C. Restrictions on and Authority of Consumers and Consumer Reporting Agencies|Section 20.04. Charges for Certain Disclosures or Services

Sec. 20.04.  CHARGES FOR CERTAIN DISCLOSURES OR SERVICES.  (a)  Except as provided by Subsection (b), a consumer reporting agency may impose a reasonable charge on a consumer for the disclosure of information pertaining to the consumer or for placing a security freeze on a consumer file, temporarily lifting a security freeze for a designated period or for an identified requester, or removing a security freeze in accordance with this chapter.  The amount of the charge for the disclosure of information pertaining to the consumer may not exceed $8.  The amount of the charge for placing a security freeze on a consumer file, temporarily lifting a security freeze for a designated period, or removing a security freeze may not exceed $10 per request.  The amount of the charge for temporarily lifting a security freeze for an identified requester may not exceed $12 per request.  On January 1 of each year, a consumer reporting agency may increase the charge for disclosure to a consumer or for placing, temporarily lifting, or removing a security freeze.  The increase, if any, must be based proportionally on changes to the Consumer Price Index for All Urban Consumers as determined by the United States Department of Labor with fractional changes rounded to the nearest 50 cents.(b)  A consumer reporting agency may not charge a fee for:(1)  a request by a consumer for a copy of the consumer's file:(A)  made not later than the 60th day after the date on which adverse action is taken against the consumer; or(B)  made on the expiration of a 45-day security alert;(2)  notification of the deletion of information that is found to be inaccurate or can no longer be verified sent to a person designated by the consumer, as prescribed by Section 611 of the Fair Credit Reporting Act (15 U.S.C. Section 1681i), as amended;(3)  a set of instructions for understanding the information presented on the consumer report;(4)  a toll-free telephone number that consumers may call to obtain additional assistance concerning the consumer report or to request a security alert;(5)  a request for a security alert made by a consumer; or(6)  the placement, temporary lifting, or removal of a security freeze at the request of a consumer who has submitted to the consumer reporting agency a copy of a valid police report, investigative report, or complaint involving the alleged commission of an offense under Section 32.51, Penal Code.|Added by Acts 1997, 75th Leg., ch. 1396, Sec. 33(a), eff. Oct. 1, 1997.  Amended by Acts 2003, 78th Leg., ch. 1326, Sec. 4, eff. Sept. 1, 2003.Amended by: Acts 2007, 80th Leg., R.S., Ch. 1143 (S.B. 222), Sec. 3, eff. September 1, 2007.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 4, eff. January 1, 2014.|
TX Bus & Com Code § 20.07 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter C. Restrictions on and Authority of Consumers and Consumer Reporting Agencies|Section 20.07. Correction of Inaccurate Information

Sec. 20.07.  CORRECTION OF INACCURATE INFORMATION.  (a)  A consumer reporting agency shall provide a person who provides consumer credit information to the agency with the option of correcting previously reported inaccurate information by submitting the correction by facsimile or other automated means.(b)  The credit reporting agency which receives a correction shall have reasonable procedures to assure that previously reported inaccurate information in a consumer's file is corrected in a prompt and timely fashion.|Added by Acts 1997, 75th Leg., ch. 1396, Sec. 33(a), eff. Oct. 1, 1997.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 4, eff. January 1, 2014.|
TX Bus & Com Code § 20.08 (2021)
2021 Texas Statutes|Business and Commerce Code|Title 2 - Competition and Trade Practices|Chapter 20 - Regulation of Consumer Credit Reporting Agencies|Subchapter D. Enforcement|Section 20.08. Consumer's Right to File Action in Court or Arbitrate Disputes

 Sec. 20.08.  CONSUMER'S RIGHT TO FILE ACTION IN COURT OR ARBITRATE DISPUTES.  (a)  An action to enforce an obligation of a consumer reporting agency to a consumer under this chapter may be brought in any court as provided by the Fair Credit Reporting Act (15 U.S.C. Section 1681 et seq.), as amended, or, if agreed to by both parties, may be submitted to binding arbitration after the consumer has followed all dispute procedures in Section 20.06 and has received the notice specified in Section 20.06(f) in the manner provided by the rules of the American Arbitration Association.(b)  A decision rendered by an arbitrator under this section does not affect the validity of an obligation or debt owed by the consumer to any party.(c)  A prevailing party in an action or arbitration proceeding brought under this section shall be compensated for the party's attorney fees and costs of the proceeding as determined by the court or arbitration.(d)  A consumer may not submit to arbitration more than one action against a particular consumer reporting agency during any 120-day period.(e)  The results of an arbitration action brought against a consumer reporting agency doing business in this state shall be communicated in a timely manner to other consumer reporting agencies doing business in this state.(f)  If a determination is made in favor of a consumer after submission of a dispute to arbitration, the disputed adverse information in the consumer's file or record shall be removed or stricken in a timely manner.  If the adverse information is not removed or stricken, the consumer may bring an action against the noncomplying agency under this section regardless of the 120-day waiting period required under this section.|Added by Acts 1997, 75th Leg., ch. 1396, Sec. 33(a), eff. Oct. 1, 1997.Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60), Sec. 5, eff. January 1, 2014.|