Blog

 
     

Delaware Changes Rules Pertaining to Security Freezes

By Michael Klazema on 8/19/2013

In July, Delaware Governor John Brown approved Senate Bill 92 amending the state’s Clean Credit and Identity Theft Protection Act. Section 2203, Title 6 of the Delaware Code which pertains to fee structures and exemption requirements for placing security freezes was amended.

The fee structure for consumer reporting agencies was amended. The fee that a consumer reporting agency charges for an initial security freeze is reduced from twenty dollars to ten dollars. And, the fee charged a person age 65 years or over is changed from twenty dollars to five dollars.

Currently, some agencies are exempt from the requirement of placing a security freeze on a credit report. Exempt agencies include consumer reporting agencies that act only as a reseller of credit information, check services or fraud prevention services companies, and deposit account information service companies. Senate Bill 92 adds to that list a consumer reporting agency database or file that consists entirely of consumer information concerning, and used solely for:

  1. Criminal record information;
  2. Personal loss history information;
  3. Fraud prevention or detection;
  4. Employment screening; or
  5. Tenant screening

The only other amendment in the bill is the revision to the Notice of Rights reflecting the fee changes. 
This bill can be viewed here: http://legiscan.com/DE/text/SB92/id/847171/Delaware-2013-SB92-Draft.html


Tag Cloud
Categories
Recent Posts

Latest News

  • November 08 A Texas-based company was found to be supplying landlords with inaccurate background check results, potentially affecting housing decisions. The company must pay a record-setting settlement.
  • November 07 Orange Leaf Frozen Yogurt brand trusts backgroundchecks.com to perform the crucial function of background checks on job candidates before extending offers of employment.
  • November 06 The man previously responsible for running background checks on New York City’s school bus drivers says the city’s Department of Education has been pushing back against more thorough checks. The DOE reportedly circumnavigated proper bus driver vetting channels for most of the spring and summer this year.
  • November 06 If you have a series of speeding tickets or other traffic violations, do you need to disclose them as criminal history?
  • November 01 South Carolina's legislature recently adopted a measure to expand access to expungement opportunities for the state's ex-convicts, but other gaps in the process remain. Advocates disagree on how to address the problem to protect offenders as well as the public.
  • October 31 Background checks will show different things depending on the type of check. Here are a few ways employers can use background checks to learn about candidates.
  • October 30 The Pentagon recently disclosed a breach that exposed the personal information of roughly 30,000 personnel. The government blamed the breach on a contractor, calling into question background check policies for federal government vendors.
  • October 30 Just because a record has been expunged from the record or sealed from public view doesn’t mean all traces of it are gone. Expunged and sealed records can sometimes show up on criminal background checks.
  • October 29 What is the status of your driver’s license? Not only can driver’s license statuses impact your ability to drive legally, but they can also impact your auto insurance coverage.
  • October 26 As fresh details emerge in the long-running sex abuse scandal plaguing the Catholic Church, some efforts to mitigate risks and protect the vulnerable stand out from the rest, including those in the diocese of Austin, Texas.