TX SB585

Prohibits consumer reporting agencies from including criminal convictions or juvenile adjudications on consumer reports for individuals who are at least 21 years old, if the offense occurred when they were under 18 and they have completed their sentence

Amends Section 20.05(a) of the Texas Business & Commerce Code, which already restricts reporting of bankruptcy cases older than 10 years, judgments older than 7 years, paid tax liens older than 7 years, and certain criminal records older than 7 years

Applies only to consumer reports furnished on or after the effective date; reports issued before that date remain governed by prior law

Takes effect September 1, 2025