1.1 	A bill for an act
1.2 	relating to consumer protection; regulating consumer
1.3 	credit reporting agencies; providing for the
1.4 	inspection of, and disclosures related to, files and
1.5 	information maintained by the credit reporting agency;
1.6 	proposing coding for new law in Minnesota Statutes,
1.7 	chapter 13C.
1.8 	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

1.9 	Section 1. [13C.032] INFORMATION DISCLOSURES AND
1.10 	INSPECTION RIGHTS.
1.11 	(a) Every consumer credit reporting agency shall, upon
1.12 	request and proper identification of any consumer, allow the
1.13 	consumer to visually inspect all files maintained regarding that
1.14 	consumer at the time of the request.
1.15 	(b) Every consumer reporting agency, upon contact by a
1.16 	consumer by telephone, mail, or in person regarding information
1.17 	which may be contained in the agency files regarding that
1.18 	consumer, shall promptly advise the consumer of the consumer's
1.19 	rights under this chapter.  The disclosure must be provided in
1.20 	the manner selected by the consumer, chosen from among any
1.21 	reasonable means available to the consumer credit reporting
1.22 	agency.
1.23 	(c) All information on a consumer in the files of a
1.24 	consumer credit reporting agency at the time of a request for
1.25 	inspection under paragraph (a) must be available for inspection,
1.26 	including the names, addresses, and, if provided by the sources
2.1 	of information, telephone numbers identified for customer
2.2 	service for the sources of information.
2.3 	(d)(1) The consumer credit reporting agency shall also
2.4 	disclose the recipients of any consumer credit report on the
2.5 	consumer which the consumer credit reporting agency has
2.6 	furnished:
2.7 	(i) for employment purposes within the two-year period
2.8 	preceding the request; and 
2.9 	(ii) for any other purpose within the 12-month period
2.10 	preceding the request.
2.11 	(2) Disclosure of recipients of consumer credit reports for
2.12 	purposes of this subdivision must include the name of the
2.13 	recipient or, if applicable, the fictitious business name under
2.14 	which the recipient conducts business disclosed in full.  The
2.15 	identification must also include the address and, if provided by
2.16 	the recipient, the telephone number identified for customer
2.17 	service for the recipient.
2.18 	(e) The consumer credit reporting agency shall also
2.19 	disclose a record of all inquiries received by the agency in the
2.20 	12-month period preceding the request that identified the
2.21 	consumer in connection with a credit transaction which is not
2.22 	initiated by the consumer.  This record of inquiries shall
2.23 	include the name, address, and, if provided by the recipient,
2.24 	telephone number identified for customer service for each
2.25 	recipient making an inquiry.