89R577 ATP-D     By: West S.B. No. 585       A BILL TO BE ENTITLED   AN ACT   relating to the reporting of certain criminal history record   information on a consumer report.          BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:          SECTION 1.  Section 20.05(a), Business & Commerce Code, is   amended to read as follows:          (a)  Except as provided by Subsection (b), a consumer   reporting agency may not furnish a consumer report containing   information related to:                (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   report by more than 10 years;                (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;                (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)  a criminal conviction or juvenile adjudication of   a person who is at least 21 years of age, that occurred when the   person was younger than 18 years of age, and for which the person   completed the person's sentence; or                (7)  another item or event that predates the consumer   report by more than seven years.          SECTION 2.  The change in law made by this Act to Section   20.05(a), Business & Commerce Code, applies only to a consumer   report furnished on or after the effective date of this Act. A   consumer report furnished before the effective date of this Act is   governed by the law in effect on the date the report was furnished,   and the former law is continued in effect for that purpose.          SECTION 3.  This Act takes effect September 1, 2025.