H-0579.1  _______________________________________________

                          HOUSE BILL 1108

          _______________________________________________

State of Washington      56th Legislature     1999 Regular Session

By Representatives Sullivan, Bush, Kastama, DeBolt, Linville, Doumit, Murray, Gombosky, Morris, Rockefeller, H. Sommers, McIntire, Hurst, Kenney, Conway, D. Schmidt, Wolfe, Cairnes, Eickmeyer, Hatfield, Keiser and Lambert

Read first time 01/14/1999.  Referred to Committee on Financial Institutions & Insurance.

Restricting the information in a consumer credit report.

    AN ACT Relating to consumer credit reports; and amending RCW 19.182.040.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF WASHINGTON:

    Sec. 1.  RCW 19.182.040 and 1993 c 476 s 6 are each amended to read as follows:

    (1) Except as authorized under subsection (2) of this section, no consumer reporting agency may make a consumer report containing any of the following items of information:

    (a) Bankruptcies that, from date of adjudication of the most recent bankruptcy, antedate the report by more than ten years;

    (b) Suits and judgments that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period;

    (c) Paid tax liens that, from date of payment, antedate the report by more than seven years;

    (d) Accounts placed for collection or charged to profit and loss that antedate the report by more than seven years;

    (e) Records of arrest, indictment, or conviction of crime that, from date of disposition, release, or parole, antedate the report by more than seven years;

    (f) Any other adverse item of information that antedates the report by more than seven years; or

(g) Inquiries or requests for consumer reports related to insurance.

    (2) Subsection (1) of this section is not applicable in the case of a consumer report to be used in connection with:

    (a) A credit transaction involving, or that may reasonably be expected to involve, a principal amount of fifty thousand dollars or more;

    (b) The underwriting of life insurance involving, or that may reasonably be expected to involve, a face amount of fifty thousand dollars or more; or

    (c) The employment of an individual at an annual salary that equals, or that may reasonably be expected to equal, twenty thousand dollars or more.

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