1.1 	A bill for an act
1.2 	relating to commerce; coordinating Minnesota and
1.3 	federal law in regard to consumer access to their own
1.4 	credit information; amending Minnesota Statutes 2004,
1.5 	section 13C.01, subdivision 1.
1.6 	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

1.7 	Section 1. Minnesota Statutes 2004, section 13C.01,
1.8 	subdivision 1, is amended to read:
1.9 		Subdivision 1.Fee for report.  (a) Credit reporting
1.10 	agencies shall provide Minnesota consumers with one free
1.11 	consumer report every 12 months upon request as required under
1.12 	United States Code, title 15, section 1681j(a), and the
1.13 	regulations adopted under that provision.
1.14 	(b) In addition to the free report required under paragraph
1.15 	(a),a consumer who is the subject of a consumer report
1.16 	maintained by a consumer reporting agency is entitled to request
1.17 	and receive by mail or e-mail, for a charge not to exceed $3, a
1.18 	copy of the consumer report once in any 12-month period.  The
1.19 	mailing or e-mailing must contain a statement of the consumer's
1.20 	right to dispute and correct any errors and of the procedures
1.21 	set forth in the federal Fair Credit Reporting Act, United
1.22 	States Code, title 15, sections 1681 et seq., for that purpose.
1.23 	The consumer reporting agency shall respond to a request under
1.24 	this ~~subdivision~~ paragraph within 30 days.
1.25 	~~(b)~~ (c) A consumer who exercises the right to dispute and
2.1 	correct errors is entitled, after doing so, to request and
2.2 	receive by mail or e-mail, without charge, a copy of the
2.3 	consumer report in order to confirm that the consumer report was
2.4 	corrected.
2.5 	~~(c)~~ (d) In addition to the rights granted under paragraphs
2.6 	(a), (b), and (c),a consumer is entitled to a free copy of a
2.7 	consumer report if the consumer satisfies the ~~procedures set~~
2.8 	~~forth~~ criteria in the federal Fair Credit Reporting Act, United
2.9 	States Code, title 15, sections 1681 et seq., regarding the
2.10 	right to receive a free report upon the occurrence of certain
2.11 	situations specified in that act.
2.12 	(e) When this subdivision permits a consumer report to be
2.13 	delivered by e-mail, this includes using an e-mail message to
2.14 	provide a link to a Web site at which the consumer may access
2.15 	the report.

2.16 	Sec. 2. EFFECTIVE DATE.
 2.17 	Section 1 is effective the day following final enactment.