00                      CS FOR SENATE BILL NO. 64(JUD)                                                                    
01 "An Act relating to a requirement that certain consumer reporting agencies provide                                      
02 individuals with 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)  The provisions of (a) of this section may not be interpreted to require a                               
11       person doing business to provide an individual with a notice of the individual's rights                           
12       under (a) of this section.                                                                                        
13            (c)  In this section,                                                                                        
14                 (1)  "consumer reporting agency" means a person or business that, for                                   

01       monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or                           
02       in part in the practice of assembling or evaluating consumer credit information or                                
03       other information on individuals for the purpose of furnishing consumer reports to                                
04       third parties, and that uses a means or facility of interstate commerce for the purpose                           
05       of preparing or furnishing consumer reports;                                                                      
06                 (2)  "file" means all the information on an individual recorded and                                     
07       retained by a consumer reporting agency regardless of how the information is stored.                              
08    * Sec. 2.  AS 45.50.471(b) is amended by adding a new paragraph to read:                                           
09                 (45)  violating AS 45.45.920 (consumer reporting agency files).