Legislature(2017 - 2018)GRUENBERG 120

03/30/2018 01:00 PM House JUDICIARY

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* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
-- Delayed to 2:45 pm --
+= SB 93 CREDIT REPORT SECURITY FREEZE TELECONFERENCED
Moved HCS SB 93(JUD) Out of Committee
+ HB 184 DISCRIMINATION: GENDER ID.;SEXUAL ORIENT. TELECONFERENCED
Heard & Held
-- Public Testimony --
+ Bills Previously Heard/Scheduled TELECONFERENCED
+= HB 355 FIRE;FOREST LAND; CRIMES;FIRE PREVENTION TELECONFERENCED
<Bill Hearing Canceled>
               SB  93-CREDIT REPORT SECURITY FREEZE                                                                         
                                                                                                                                
2:49:10 PM                                                                                                                    
                                                                                                                                
CHAIR CLAMAN 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."                                                                                                                        
                                                                                                                                
2:50:09 PM                                                                                                                    
                                                                                                                                
CHAIR CLAMAN moved to adopt Amendment 1, labeled 30-LS0265\O.2,                                                                 
Banister, 3/13/18, which read as follows:                                                                                       
                                                                                                                                
     Page 1, line 1, following "Act":                                                                                         
          Insert "relating to the fees that may be charged                                                                    
     by a consumer credit  reporting agency; relating to the                                                                  
     placement  of security  freezes on  credit reports  and                                                                  
     credit scores; and"                                                                                                    
                                                                                                                              
     Page 1, following line 3:                                                                                                  
     Insert new bill sections to read:                                                                                          
        "* Section 1. AS 45.48.160(a) is amended to read:                                                                     
          (a)  Except as provided by [(b),] (c) [, OR (d)]                                                                      
     of  this section,  a consumer  credit reporting  agency                                                                    
     may  not  charge  a  consumer  to  place  or  remove  a                                                                    
     security freeze, to  provide access under AS 45.48.130,                                                                    
     or to take any other  action, including the issuance of                                                                    
     a personal identification  number, password, or similar                                                                    
     device  under  AS 45.48.120,  that is  related  to  the                                                                    
     placement  of,  removal of,  or  allowing  access to  a                                                                    
     credit  report  or credit  score  on  which a  security                                                                    
     freeze has been placed.                                                                                                    
        * Sec. 2. AS 45.48.160(e) is amended to read:                                                                         
          (e)  A consumer credit reporting agency may not                                                                       
     charge  a consumer  a fee  under [(b)  OR] (c)  of this                                                                    
     section if the  consumer has been a  victim of identity                                                                    
     theft  and  provides   the  consumer  credit  reporting                                                                    
     agency with  a complaint filed  by the consumer  with a                                                                    
     law enforcement agency.                                                                                                    
        * Sec. 3. AS 45.48.170 is amended to read:                                                                            
          Sec. 45.48.170. Notice of rights. When a consumer                                                                   
     credit reporting agency is required  to give a consumer                                                                    
     a summary of rights under  15 U.S.C. 1681g (Fair Credit                                                                    
     Reporting  Act),  a  consumer credit  reporting  agency                                                                    
     shall also give the consumer the following notice:                                                                         
             Consumers Have the Right to Obtain a Security                                                                    
                             Freeze                                                                                           
          You may obtain a security freeze on your credit                                                                       
     report  and credit  score without  charge  [FOR $5]  to                                                                
     protect  your privacy  and ensure  that  credit is  not                                                                    
     granted in  your name without your  knowledge. [YOU MAY                                                                    
     NOT HAVE  TO PAY THE $5  CHARGE IF YOU ARE  A VICTIM OF                                                                    
     IDENTITY THEFT.] You  have a right to  place a security                                                                    
     freeze  on your  credit report  and credit  score under                                                                    
     state law (AS 45.48.100 - 45.48.290).                                                                                    
          The security freeze will prohibit a consumer                                                                          
     credit  reporting  agency  from releasing  your  credit                                                                    
     score  and  any  information   in  your  credit  report                                                                    
     without your express authorization or approval.                                                                            
          The security freeze is designed to prevent                                                                            
     credit, loans,  and other services from  being approved                                                                    
     in your name without  your consent. However, you should                                                                    
     be aware that  using a security freeze  to take control                                                                    
     over  who gets  access  to the  personal and  financial                                                                    
     information in your credit report  and credit score may                                                                    
     delay, interfere with, or  prohibit the timely approval                                                                    
     of  any  subsequent  request or  application  you  make                                                                    
     regarding   a  new   loan,   credit,   a  mortgage,   a                                                                    
     governmental   service,  a   governmental  payment,   a                                                                    
     cellular telephone, a utility,  an Internet credit card                                                                    
     application, an  extension of credit at  point of sale,                                                                    
     and other items and services.                                                                                              
          When you place a security freeze on your credit                                                                       
     report and  credit score, within 10  business days, you                                                                    
     will  be  provided  a personal  identification  number,                                                                    
     password, or  similar device  to use  if you  choose to                                                                    
     remove  the freeze  on your  credit  report and  credit                                                                    
     score or  to temporarily authorize the  release of your                                                                    
     credit  report and  credit score  to  a specific  third                                                                    
     party  or  specific third  parties  or  for a  specific                                                                    
     period  of  time  after  the freeze  is  in  place.  To                                                                    
     provide  that  authorization,   you  must  contact  the                                                                    
     consumer  credit reporting  agency and  provide all  of                                                                    
     the following:                                                                                                             
               (1)  proper identification to verify your                                                                        
     identity;                                                                                                                  
               (2)  the personal identification number,                                                                         
     password, or  similar device  provided by  the consumer                                                                    
     credit reporting agency;                                                                                                   
               (3)  proper information necessary to                                                                             
     identify  the  third party  or  third  parties who  are                                                                    
     authorized  to receive  the  credit  report and  credit                                                                    
     score  or the  specific period  of time  for which  the                                                                    
     credit report and  credit score are to  be available to                                                                    
     third parties.                                                                                                             
          A consumer credit reporting agency that receives                                                                      
     your request to  temporarily lift a freeze  on a credit                                                                    
     report and credit score is  required to comply with the                                                                    
     request   within  15   minutes,  except   after  normal                                                                    
     business  hours  and  under certain  other  conditions,                                                                    
     after receiving  your request if  you make  the request                                                                    
     by  telephone, or  an electronic  method if  the agency                                                                    
     provides   an  electronic   method,  or   within  three                                                                    
     business days after receiving your  request if you make                                                                    
     the  request by  mail.  The  consumer credit  reporting                                                                    
     agency  may  charge  you $2  to  temporarily  lift  the                                                                    
     freeze. You  may not have to  pay the $2 charge  if you                                                                
     are a victim of identity theft.                                                                                        
          A security freeze does not apply to circumstances                                                                     
     where you  have an existing account  relationship and a                                                                    
     copy  of  your  credit  report  and  credit  score  are                                                                    
     requested by  your existing creditor  or its  agents or                                                                    
     affiliates  for   certain  types  of   account  review,                                                                    
     collection, fraud control, or similar activities.                                                                          
          If you are actively seeking credit, you should                                                                        
     understand that  the procedures  involved in  lifting a                                                                    
     security  freeze may  slow  your  own applications  for                                                                    
     credit.  You  should  plan ahead  and  lift  a  freeze,                                                                    
     either  completely  if  you  are  shopping  around,  or                                                                    
     specifically  for  a   certain  creditor,  days  before                                                                    
     applying for new credit.                                                                                                   
          You have a right to bring a civil action against                                                                      
     someone who  violates your rights  under these  laws on                                                                    
     security freezes.  The action can be  brought against a                                                                    
     consumer credit reporting agency."                                                                                         
                                                                                                                                
     Page 1, line 4:                                                                                                            
          Delete "Section 1"                                                                                                  
          Insert "Sec. 4"                                                                                                     
                                                                                                                                
     Renumber the following bill sections accordingly.                                                                          
                                                                                                                                
     Page 6, following line 28:                                                                                                 
          Insert a new bill section to read:                                                                                    
        "*  Sec.  6.  AS 45.48.160(b) and  45.48.160(d)  are                                                                
     repealed."                                                                                                                 
                                                                                                                                
     Renumber the following bill section accordingly.                                                                           
                                                                                                                                
REPRESENTATIVE   KREISS-TOMKINS   objected    for   purposes   of                                                               
discussion.                                                                                                                     
                                                                                                                                
2:50:23 PM                                                                                                                    
                                                                                                                                
SARAH  PERMAN, Staff,  Representative Matt  Claman, Alaska  State                                                               
Legislature, explained that earlier  this month the United States                                                               
Senate  passed  S.2155  [of  the  115th  Congress,  the  Economic                                                               
Growth,  Regulatory Relief,  and Consumer  Protection Act]  which                                                               
included  language  eliminating  consumer  fees  for  placing  or                                                               
removing credit freezes.  The  change came after the Equifax data                                                               
breach that is projected to  have compromised the personal credit                                                               
of more than 145 million  consumers.  Amendment 1, she explained,                                                               
updates Alaska  Statutes to remove  credit freeze  fees entirely.                                                               
Under  current Alaska  law, only  victims of  identity theft  are                                                               
exempted  from paying  these  fees,  which range  from  $2 to  $5                                                               
depending upon whether  the fees are for placement  or removal of                                                               
a freeze, and  Amendment 1 allows that all  consumers may request                                                               
placement or  removal of  a freeze without  charge.   She advised                                                               
that  Alaska would  be the  ninth state  to eliminate  these fees                                                               
behind the  States of Maine,  Indiana, North and  South Carolina,                                                               
Maryland,  New York,  Colorado, New  Jersey, and  Washington D.C.                                                               
Clearly,  she said,  consumers never  request credit  agencies to                                                               
collect their  personal data, thereby  making it  an unreasonable                                                               
burden  for   consumers  to   have  to   pay  to   protect  their                                                               
information, she  said.   This amendment does  not impact  the $5                                                               
fee contained  within SB 93, for  creating a credit report  for a                                                               
minor or  an incapacitated person,  it solely eliminates  the fee                                                               
for placing or removing a freeze.                                                                                               
                                                                                                                                
2:51:58 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  EASTMAN  asked  the  bill  sponsor's  opinion  of                                                               
Amendment 1.                                                                                                                    
                                                                                                                                
2:52:17 PM                                                                                                                    
                                                                                                                                
RYNNIEVA  MOSS,   Staff,  Senator  John  Coghill,   Alaska  State                                                               
Legislature, advised that Chair  Claman had discussed Amendment 1                                                               
with Senator Coghill, and he is in agreement.                                                                                   
                                                                                                                                
2:52:31 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  KREISS-TOMKINS  withdrew  his objection.    There                                                               
being no objection, Amendment 1 was adopted.                                                                                    
                                                                                                                                
2:52:55 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE KREISS-TOMKINS moved to  report SB 93, labeled 30-                                                               
LS0265\O.2,  as   amended,  out  of  committee   with  individual                                                               
recommendations and  the accompanying fiscal notes.   There being                                                               
no objection, CSSB  93(JUD) was moved out of  the House Judiciary                                                               
Standing Committee.                                                                                                             

Document Name Date/Time Subjects
HB184 ver J 3.30.18.PDF HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Sponsor Statement 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Sectional Analysis 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-ASHRC Resolution 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-Legal Memo 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-HRC State Laws 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-Anch LGBT Discrimination Preliminary Report 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-2015 AK Transgender Survey 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-2010 Census 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-The Commerce of Diversity 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-Memorandum, Religious Exemptions 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-Williams Institute 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-Letters 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Supporting Document-Public Comment 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Opposing Document-Letters & Public Comment 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 Fiscal Note HRC 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
HB184 PowerPoint 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
HB 184
SB093 ver O 3.28.18.pdf HJUD 3/28/2018 1:00:00 PM
HJUD 3/30/2018 1:00:00 PM
SB 93
SB093 Sponsor Statement 3.28.18.pdf HJUD 3/28/2018 1:00:00 PM
HJUD 3/30/2018 1:00:00 PM
SB 93
SB093 Amendment #1 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
SB 93
SB093 Amendment #1 Backup 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
SB 93
SB093 Amendment #1 HJUD Final Votes 3.30.18.pdf HJUD 3/30/2018 1:00:00 PM
SB 93