Legislature(2017 - 2018)BARNES 124
01/19/2018 03:15 PM House LABOR & COMMERCE
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| Audio | Topic |
|---|---|
| Start | |
| SB93 | |
| Adjourn |
* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
+ teleconferenced
= bill was previously heard/scheduled
| + | TELECONFERENCED | ||
| += | SB 93 | TELECONFERENCED | |
ALASKA STATE LEGISLATURE
HOUSE LABOR AND COMMERCE STANDING COMMITTEE
January 19, 2018
3:16 p.m.
MEMBERS PRESENT
Representative Sam Kito, Chair
Representative Adam Wool, Vice Chair
Representative Andy Josephson
Representative Louise Stutes
Representative Chris Birch
Representative Gary Knopp
Representative Colleen Sullivan-Leonard
MEMBERS ABSENT
Representative Mike Chenault (alternate)
Representative Bryce Edgmon (alternate)
OTHER LEGISLATORS PRESENT
Senator John Coghill
COMMITTEE CALENDAR
SENATE BILL NO. 93
"An Act relating to security freezes on the credit reports or
records of incapacitated persons and certain minors."
- MOVED SB 93 OUT OF COMMITTEE
PREVIOUS COMMITTEE ACTION
BILL: SB 93
SHORT TITLE: CREDIT REPORT SECURITY FREEZE
SPONSOR(s): SENATOR(s) COGHILL
03/13/17 (S) READ THE FIRST TIME - REFERRALS
03/13/17 (S) L&C
03/28/17 (S) L&C AT 9:00 AM BELTZ 105 (TSBldg)
03/28/17 (S) Bill Postponed to 1:30 p.m. 3/28/17
03/28/17 (S) L&C AT 1:30 PM BELTZ 105 (TSBldg)
03/28/17 (S) Heard & Held
03/28/17 (S) MINUTE(L&C)
04/04/17 (S) L&C RPT 5DP
04/04/17 (S) DP: COSTELLO, HUGHES, STEVENS, MEYER,
GARDNER
04/04/17 (S) L&C AT 9:00 AM BELTZ 105 (TSBldg)
04/04/17 (S) Moved SB 93 Out of Committee
04/04/17 (S) MINUTE(L&C)
04/10/17 (S) TRANSMITTED TO (H)
04/10/17 (S) VERSION: SB 93
04/11/17 (H) READ THE FIRST TIME - REFERRALS
04/11/17 (H) L&C
04/17/17 (H) L&C AT 3:15 PM BARNES 124
04/17/17 (H) Heard & Held
04/17/17 (H) MINUTE(L&C)
01/19/18 (H) L&C AT 3:15 PM BARNES 124
WITNESS REGISTER
RYNNIEVA MOSS, Staff
Senator John Coghill
Alaska State Legislature
Juneau, Alaska
POSITION STATEMENT: Presented SB 93 on behalf of Senator
Coghill, prime sponsor.
ACTION NARRATIVE
3:16:24 PM
CHAIR SAM KITO called the House Labor and Commerce Standing
Committee meeting to order at 3:16 p.m. Representatives
Sullivan-Leonard, Stutes, Knopp, Birch, Josephson, Wool, and
Kito were present at the call to order.
SB 93-CREDIT REPORT SECURITY FREEZE
3:19:42 PM
CHAIR KITO announced that the first order of business would be
SENATE BILL NO. 93, "An Act relating to security freezes on the
credit reports or records of incapacitated persons and certain
minors."
3:20:23 PM
RYNNIEVA MOSS, Staff, Senator John Coghill, Alaska State
Legislature, presented SB 93 on behalf of Senator Coghill, prime
sponsor. She said the bill was introduced last year and would
set up a process to create a credit record/report for a minor
under 16 or an incapacitated person, both of which are called
"protected consumers." The proposed legislation would set up a
system for applying for a credit freeze for a minor or
incapacitated person, as well as a provision for stopping a
credit freeze. Under SB 93, there would be exceptions for
people with court orders or warrants, government agencies trying
to collect taxes, and the investigation of fraud.
MS. MOSS explained there are two types of credit freezes: one
for adults who have already established a credit record and one
for minors and incapacitated people who do not have a credit
record. She related that there are approximately 1.3 million
cases of identity theft involving minors in the U.S. and about
half of those minors are under six years of age. The identify
thieves can get social security numbers of children still in the
hospital and use that credit until the child turns 18 or, in
most cases 16, which is the age at which many apply to purchase
a vehicle or buy a cell phone.
MS. MOSS stated that the primary purpose for a credit report for
an adult is to prevent lending institutions, credit card
companies, and utilities, et cetera, from giving credit to
someone who does not pay his/her bills. The primary purpose of
SB 93, she advised, is to allow parents and personal
representatives to create a credit record with the three credit
reporting agencies and then freeze that record so someone cannot
steal the information. She said there are various ways that
people steal credit information, including stealing someone's
purse, stealing school records, or breaking into a
pediatrician's office to obtain medical records. She said
identity theft is a big business. The proposed legislation
would establish a process in state law that would allow parents
and personal representatives to "protect their people from
identity theft."
3:23:31 PM
REPRESENTATIVE SULLIVAN-LEONARD asked Ms. Moss to expound upon
her statement that records can be stolen from infants in
hospitals.
MS. MOSS confirmed that reports have shown that the information
is obtained at the hospital from medical records, and the
information is used until the identity theft victim first asks
for credit.
REPRESENTATIVE SULLIVAN-LEONARD said she used to do vital
statistics, and an infant does not have a social security number
at birth; therefore, she asked if Ms. Moss meant that theft is
of records of children who come back to visit the hospital
later.
MS. MOSS offered her understanding that one example is babies
that are in the hospital under intensive care.
CHAIR KITO offered his understanding that there are some people
who will take the birth record and then try to gain a social
security number (SSN) and use it as an identity.
3:25:26 PM
REPRESENTATIVE WOOL offered his understanding that under SB 93,
a parent could request a freeze on his/her child's credit to
prevent theft of the child's identity, and when the child is of
a certain age and needing to get credit, the credit would need
to be unfrozen.
MS. MOSS responded that SB 93 sets up a process for removal of a
security freeze, which is under AS 45.48.360. That information
is found on page 3, line 28, and onto page 4, of SB 94. She
said the removal process is similar to getting a security
freeze; a person must submit a request to the credit reporting
agency, provide sufficient proof of the identification of the
minor or protected consumer, and provide proof of parentage or
status as personal representative.
REPRESENTATIVE WOOL asked if a child could set up a bank account
for a college savings fund, for example, at the same time
his/her credit is frozen.
MS. MOSS answered that is correct.
3:27:52 PM
REPRESENTATIVE WOOL moved to report SB 93 out of committee with
individual recommendations and the accompanying fiscal notes.
There being no objection, SB 93 was reported from the House
Labor and Commerce Standing Committee.
3:28:20 PM
The committee took an at-ease from 3:28 p.m. to 3:31 p.m.
3:31:50 PM
CHAIR KITO relayed other committee business.
3:33:28 PM
ADJOURNMENT
There being no further business before the committee, the House
Labor and Commerce Standing Committee meeting was adjourned at
3:33 p.m.
| Document Name | Date/Time | Subjects |
|---|---|---|
| SB093 Fiscal Note DOL 1.12.18.pdf |
HL&C 1/19/2018 3:15:00 PM |
SB 93 |
| SB093 Sponsor Statement 1.22.18.pdf |
HL&C 1/19/2018 3:15:00 PM |
SB 93 |