PRINTER'S NO. 3835
THE GENERAL ASSEMBLY OF PENNSYLVANIA
HOUSE BILL
No.
2554
Session of
2020
INTRODUCED BY KENYATTA, GALLOWAY, McCLINTON, DRISCOLL, KINSEY,
FREEMAN, ROZZI, SHUSTERMAN, HOHENSTEIN, SCHWEYER, HILL-EVANS,
INNAMORATO, GREEN, WEBSTER, DONATUCCI, McNEILL, BURGOS,
HOWARD, GAINEY, BOYLE, T. DAVIS, DELLOSO, KIM, CEPHAS,
ISAACSON, SOLOMON, LEE, DAVIDSON, DAWKINS, WILLIAMS, WARREN,
YOUNGBLOOD, ROEBUCK, SANCHEZ AND CIRESI, MAY 26, 2020
REFERRED TO COMMITTEE ON COMMERCE, MAY 26, 2020
AN ACT
Amending the act of November 29, 2006 (P.L.1463, No.163),
entitled "An act providing for protection from identity
theft, for security freezes, for procedures for access after
imposition and removal of security freezes and for related
matters," further providing for title; and providing for
prohibition on adverse credit reporting during COVID-19
disaster emergency.
The General Assembly of the Commonwealth of Pennsylvania
hereby enacts as follows:
Section 1. The title of the act of November 29, 2006
(P.L.1463, No.163), known as the Credit Reporting Agency Act, is
amended to read:
AN ACT
Providing for protection from identity theft, for security
freezes, for procedures for access after imposition and
removal of security freezes, for prohibition on certain
adverse credit reporting by credit reporting agencies and for
related matters.
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Section 2. The act is amended by adding a section to read:
Section 9.1. Prohibition on adverse credit reporting during
COVID-19 disaster emergency.
(a) General rule.--Notwithstanding any other provision of
law, no consumer reporting agency shall include in an affected
person's consumer report any adverse information relative to
late payments, nonpayment of consumer debt or other financial
obligations obtained by the consumer reporting agency with
respect to the period beginning with the declaration of the
COVID-19 disaster emergency on March 6, 2020, and extending 90
days following the expiration or termination of the disaster
emergency.
(b) Persons or entities furnished with consumer report.--No
person or entity that is furnished an affected person's consumer
report shall consider any adverse information relative to late
payments, nonpayment of consumer debt or other financial
obligations with respect to the period beginning with the
declaration of the COVID-19 disaster emergency on March 6, 2020,
and extending 90 days following the expiration or termination of
the disaster emergency.
(c) Definitions.--As used in this section, the following
words and phrases shall have the meanings given to them in this
subsection unless the context clearly indicates otherwise:
"Affected person." A person who is a resident of this
Commonwealth and has suffered financial hardship as a result of
the COVID-19 disaster emergency.
"COVID-19 disaster emergency." The proclamation of disaster
emergency issued by the Governor on March 6, 2020, published at
50 Pa.B. 1644 (March 21, 2020), and any renewal of the state of
disaster emergency.
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Section 3. This act shall take effect immediately.
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