00                            SENATE BILL NO. 64                                                                          
01 "An Act requiring certain consumer reporting agencies to provide individuals with                                       
02 certain information without charge."                                                                                    
03 BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF ALASKA:                                                                
04    * Section 1.  AS 45.45 is amended by adding a new section to read:                                                 
05            Sec. 45.45.920.  Consumer reporting agency files.  (a)  A consumer reporting                               
06       agency that maintains a file on an individual who is a resident of this state shall, at the                       
07       request of that individual, provide the individual with a complete copy of the                                    
08       individual's file, including all consumer credit reports, each calendar year without                              
09       charge.                                                                                                           
10            (b)  In this section,                                                                                        
11                 (1)  "consumer reporting agency" means a person or business that, for                                   
12       monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or                           
13       in part in the practice of assembling or evaluating consumer credit information or                                
14       other information on individuals for the purpose of furnishing consumer reports to                                

01       third parties, and that uses a means or facility of interstate commerce for the purpose                           
02       of preparing or furnishing consumer reports;                                                                      
03                 (2)  "file" means all the information on an individual recorded and                                     
04       retained by a consumer reporting agency regardless of how the information is stored.                              
05    * Sec. 2.  AS 45.50.471(b) is amended by adding a new paragraph to read:                                           
06                 (45)  violating AS 45.45.920 (consumer reporting agency files).