Texas Statutes
Title 2 - Competition and Trade Practices
Chapter 20 - Regulation of Consumer Credit Reporting Agencies

Subchapter A. General Requirements

Section 20.01. Definitions - Sec. 20.01. DEFINITIONS. In this chapter: (1) "Adverse action" includes:...

Section 20.02. Permissible Purposes; Prohibition; Use of Consumer's Social Security Number - Sec. 20.02. PERMISSIBLE PURPOSES; PROHIBITION; USE OF CONSUMER'S SOCIAL SECURITY...

Section 20.021. Check Verification and Check Guarantee Services; Disclosures to Consumers - Sec. 20.021. CHECK VERIFICATION AND CHECK GUARANTEE SERVICES; DISCLOSURES TO...

Section 20.03. Disclosures to Consumers - Sec. 20.03. DISCLOSURES TO CONSUMERS. (a) On request and proper...

Subchapter B. Security Alert and Security Freeze

Section 20.031. Requesting Security Alert - Sec. 20.031. REQUESTING SECURITY ALERT. On a request in writing...

Section 20.032. Notification of Security Alert - Sec. 20.032. NOTIFICATION OF SECURITY ALERT. A consumer reporting agency...

Section 20.033. Toll-Free Security Alert Request Number - Sec. 20.033. TOLL-FREE SECURITY ALERT REQUEST NUMBER. A consumer reporting...

Section 20.034. Requesting Security Freeze - Sec. 20.034. REQUESTING SECURITY FREEZE. (a) On written request sent...

Section 20.035. Notification of Change - Sec. 20.035. NOTIFICATION OF CHANGE. If a security freeze is...

Section 20.036. Notification of Security Freeze - Sec. 20.036. NOTIFICATION OF SECURITY FREEZE. A consumer reporting agency...

Section 20.037. Removal or Temporary Lifting of Security Freeze - Sec. 20.037. REMOVAL OR TEMPORARY LIFTING OF SECURITY FREEZE. (a)...

Section 20.038. Exemption From Security Freeze - Sec. 20.038. EXEMPTION FROM SECURITY FREEZE. A security freeze does...

Section 20.0385. Applicability of Security Alert and Security Freeze - Sec. 20.0385. APPLICABILITY OF SECURITY ALERT AND SECURITY FREEZE. (a)...

Section 20.039. Respect of Security Freeze - Sec. 20.039. RESPECT OF SECURITY FREEZE. A consumer reporting agency...

Subchapter C. Restrictions on and Authority of Consumers and Consumer Reporting Agencies

Section 20.04. Charges for Certain Disclosures or Services - Sec. 20.04. CHARGES FOR CERTAIN DISCLOSURES OR SERVICES. (a) Except...

Section 20.05. Reporting of Information Prohibited - Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. (a) Except as provided...

Section 20.06. Dispute Procedure - Sec. 20.06. DISPUTE PROCEDURE. (a) If the completeness or accuracy...

Section 20.07. Correction of Inaccurate Information - Sec. 20.07. CORRECTION OF INACCURATE INFORMATION. (a) A consumer reporting...

Subchapter D. Enforcement

Section 20.08. Consumer's Right to File Action in Court or Arbitrate Disputes - Sec. 20.08. CONSUMER'S RIGHT TO FILE ACTION IN COURT OR...

Section 20.09. Civil Liability - Sec. 20.09. CIVIL LIABILITY. (a) A consumer reporting agency that...

Section 20.10. Remedies Cumulative - Sec. 20.10. REMEDIES CUMULATIVE. An action taken under this chapter...

Section 20.11. Injunctive Relief; Civil Penalty - Sec. 20.11. INJUNCTIVE RELIEF; CIVIL PENALTY. (a) The attorney general...

Section 20.12. Deceptive Trade Practice - Sec. 20.12. DECEPTIVE TRADE PRACTICE. A violation of this chapter...

Section 20.13. Venue - Sec. 20.13. VENUE. An action brought under this chapter shall...

Subchapter E. Security Freeze for Child

Section 20.21. Definitions - Sec. 20.21. DEFINITIONS. In this subchapter: (1) "Protected consumer" means...

Section 20.22. Applicability; Conflict of Law - Sec. 20.22. APPLICABILITY; CONFLICT OF LAW. (a) This subchapter does...

Section 20.23. Proof of Authority and Identification - Sec. 20.23. PROOF OF AUTHORITY AND IDENTIFICATION. (a) Documentation that...

Section 20.24. Use of Record to Consider Creditworthiness or for Other Purposes Prohibited - Sec. 20.24. USE OF RECORD TO CONSIDER CREDITWORTHINESS OR FOR...

Section 20.25. Request to Place a Security Freeze; Creation of Record - Sec. 20.25. REQUEST TO PLACE A SECURITY FREEZE; CREATION OF...

Section 20.26. Release of Consumer Report Prohibited - Sec. 20.26. RELEASE OF CONSUMER REPORT PROHIBITED. Unless a security...

Section 20.27. Period of Security Freeze - Sec. 20.27. PERIOD OF SECURITY FREEZE. A security freeze on...

Section 20.28. Removal of Security Freeze - Sec. 20.28. REMOVAL OF SECURITY FREEZE. (a) A protected consumer...

Section 20.29. Fees - Sec. 20.29. FEES. (a) A consumer reporting agency may not...

Section 20.30. Effect of Material Misrepresentation of Fact - Sec. 20.30. EFFECT OF MATERIAL MISREPRESENTATION OF FACT. A consumer...

Section 20.31. Remedy for Violation - Sec. 20.31. REMEDY FOR VIOLATION. Notwithstanding Subchapter D or any...