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MS HB437
Bill
Status
2/4/2025
Primary Sponsor
Bryant Clark
Click for details
AI Summary
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Defines "identity theft" as the unauthorized use of a person's personal identity information to obtain goods, money, or anything of value
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Allows identity theft victims to send a certified letter to creditors demanding debt forgiveness and removal of the debt from credit reports
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Permits victims to file a chancery court petition 60 days after creditor receipt if the creditor fails to forgive the debt and contact credit bureaus
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Requires victims' sworn petitions to evidence: non-incurrence of debt, lack of consent, lack of knowledge when incurred, filing of law enforcement complaint, and no pecuniary benefit received
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Authorizes courts to issue orders requiring creditors to release victims from debt obligations and authorize victims to request debt removal from all identified credit bureaus
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Effective July 1, 2025
Legislative Description
Identity theft; establish procedure for victim to have debt forgiven and credit reports purged.
Last Action
Died In Committee
2/4/2025