Bill > AB1220

This bill adds a new section to California Civil Code that makes it illegal for a consumer credit reporting agency, which is a company that collects and sells consumer credit information, to prevent or discourage businesses that use these reports from giving a copy of a consumer's credit report to that consumer if the business has taken "adverse action" against them. Adverse action refers to a decision that is unfavorable to the consumer, such as denying a loan or insurance, based on their credit report. The bill also specifies that the Attorney General or local prosecutors can sue credit reporting agencies that violate this law and seek civil penalties of up to $5,000.