MS HB452

Consumer credit reporting agencies cannot release a consumer credit report or information contained in it unless the consumer provides written authorization specifying the named recipient.

Recipients of authorized consumer credit reports cannot share the report or its information with any other person without separate written authorization from the consumer, who may specify which parties receive information and limit the scope of disclosed information.

Consumers may authorize credit reporting agencies to release reports for a specific time period without requiring further authorization by providing proper identification, specifying the time period, and naming any persons excluded from access.

Consumer credit reporting agencies must develop procedures using telephone, internet, or other electronic media to receive and process consumer authorization requests.

The law becomes effective July 1, 2019, and applies to natural persons residing in Mississippi.