HB 5433

relating to limitations on the information reported by consumer
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
SECTION 1.  Section 20.05(a), Business & Commerce Code, is
(a)  Except as provided by Subsection (b), a consumer
reporting agency may not furnish a consumer report containing
(1)  a case under Title 11 of the United States Code or
under the federal Bankruptcy Act in which the date of entry of the
order for relief or the date of adjudication predates the consumer
(2)  a suit or judgment in which the date of entry
predates the consumer report by more than seven years or the
governing statute of limitations, whichever is longer;
(3)  a tax lien in which the date of payment predates
the consumer report by more than seven years;
(4)  a record of [arrest, indictment, or] conviction of
a crime in which the date of disposition, release, or parole
predates the consumer report by more than seven years;
(4-a) a record of arrest, charge, or indictment for an
alleged crime that did not result in a conviction or a grant of
deferred adjudication community supervision;
(5)  a collection account with a medical industry code,
if the consumer was covered by a health benefit plan at the time of
the event giving rise to the collection and the collection is for an
outstanding balance, after copayments, deductibles, and
coinsurance, owed to an emergency care provider or a facility-based
provider for an out-of-network benefit claim; or
(6)  another item or event that predates the consumer
report by more than seven years.
SECTION 2.  This Act takes effect immediately if it receives
a vote of two-thirds of all the members elected to each house, as
provided by Section 39, Article III, Texas Constitution.  If this
Act does not receive the vote necessary for immediate effect, this
Act takes effect September 1, 2025.