MS HB1307

Prohibits consumer credit reporting agencies from providing consumer credit reports or information to any person unless the consumer has provided written authorization naming the specific recipient.

Requires that recipients authorized to receive a consumer credit report may not release the report or its information to others without separate written consumer authorization specifying which parties may receive the information and what scope of information may be released.

Allows consumers to authorize credit report access for a specific time period without repeated authorization by contacting a credit reporting agency with proper identification, the desired time period, and any persons excluded from access.

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

Effective July 1, 2022.