Indiana HB1280 regulates consumer reporting agencies' handling of Social Security number search requests, including verification and disclosure.

Indiana HB1280 mandates that consumer reporting agencies verify the Social Security number of Indiana residents upon request and search their files for any unassociated records. If unassociated records are found, the agency must disclose the number of such records and identify those who accessed the reports within the past year. The bill prohibits agencies from charging extra fees for these searches and requires written consent from the consumer. Effective July 1, 2026, this law aims to ensure transparency and protect consumers' credit information.

Indiana HB1280 regulates consumer reporting agencies' handling of Social Security number search requests, including verification and disclosure.

Indiana HB1280 mandates that consumer reporting agencies verify the Social Security number of Indiana residents upon request and search their files for any unassociated records. If unassociated records are found, the agency must disclose the number of such records and identify those who accessed the reports within the past year. The bill prohibits agencies from charging extra fees for these searches and requires written consent from the consumer. Effective July 1, 2026, this law aims to ensure transparency and protect consumers' credit information.