Legislature(2015 - 2016)BELTZ 105 (TSBldg)
01/28/2016 01:30 PM Senate LABOR & COMMERCE
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| Audio | Topic |
|---|---|
| Start | |
| SB121 | |
| HB12 | |
| HB155 | |
| SB111 | |
| Adjourn |
* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
+ teleconferenced
= bill was previously heard/scheduled
| + | HB 155 | TELECONFERENCED | |
| += | HB 12 | TELECONFERENCED | |
| *+ | SB 111 | TELECONFERENCED | |
| + | TELECONFERENCED | ||
| += | SB 121 | TELECONFERENCED | |
SB 121-SECURITY FREEZE ON MINOR'S CREDIT REPORT
1:34:21 PM
CHAIR COSTELLO announced the consideration of SB 121. [This is
the second hearing and public testimony is closed.]
1:34:45 PM
EDRA MORLEDGE, staff to Senator Kevin Meyer, sponsor of SB 121,
stated that she provided a supplemental packet based on the
questions that were asked during the previous meeting. She
recapped the following questions and answers:
Q. Senator Stevens inquired as to the meaning of "has
not had the disabilities of a minor removed...: and
asked if there might be a better way to state that.
A. The specific wording on lines 9-10 of the bill
directly references Alaska Statute 09.55.590, and
refers to minors that have been emancipated. As the
bill sponsor, I do not object to different terminology
if it allows for a clearer reading and understanding
of the legislation, if the drafters are able to do so
within their drafting guidelines.
Q. Senator Ellis inquired as to where the idea for the
legislation came from.
A. A constituent of Senate District M, Laura Hughes,
brought the idea for the legislation to my office last
summer. Since that time, we've discovered a number of
states with similar laws on the books or in the
process of passing similar legislation. SB 121 is
modeled after legislation as researched through the
National Council of State Government.
Q. Senator Ellis asked if Alaska would be the fifth
state to adopt this legislation.
A. The most current data available from the NCSL
website lists:
· 27 states allow "any consumer" to request a
security freeze on their credit report,
· 4 states use the terminology "any consumer that
is a resident,"
· 4 states allow a parent or guardian of a minor
under 18 to request a freeze,
· 20 states specifically allow a parent or guardian
of a minor under age 16 to request a freeze,
· 19 states specifically allow a parent or guardian
of a "protected" or an "incapacitated" person to
request a freeze,
· 5 states specify the individual for whom the
freeze is requested has been a victim of identity
theft, and
· 2 states allow for a credit freeze only in the
case of identity theft (Mississippi and South
Dakota).
Aside from the states that only specify "a consumer,"
or "a victim of identity theft," the rest are a
mixture of the remaining criteria listed above.
Q. Senator Stevens inquired as to the process for
lifting a credit freeze.
A. The specific section of Alaska's Personal
Information Protection Act that governs removal of
security freeze is AS 45.48.140. This section states
that the consumer can request the removal of the
freeze by contacting the agency by mail or in
accordance with other established procedures
(electronic means), and provide information required
to establish identity. At that point, the consumer
credit reporting agency has 3 business days to remove
the freeze.
Q. Senator Costello asked what the national average is
for child identity theft.
A. The national figure for child identity theft varies
depending on the source, but generally it is reported
at between 10-11 %.
MS. MORLEDGE noted that the packets also contain communications
from the Department of Law (DOL) indicating that they do not
have an issue with the current wording of the bill.
CHAIR COSTELLO asked the sponsor if he had any comments.
1:37:52 PM
SENATOR MEYER said he is pleased that the constituent brought
the issue forward and his staff summarized the bill nicely.
1:38:09 PM
SENATOR GIESSEL motioned to report SB 121, labeled 29-LS1129\A,
from committee with individual recommendations and attached
fiscal note(s).
CHAIR COSTELLO announced that without objection, SB 121 is
reported from the Senate Labor and Commerce Standing Committee.