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Bill

SB 585

Relating to the reporting of certain criminal history record information on a consumer report.

89th Legislature (2025) Introduced by César Blanco and 1 co-sponsor

SB 585 restricts criminal history records on consumer credit reports, limiting reporting agencies' use of certain criminal background information to reduce employment and credit barriers.

Co-author authorized
#business&commerce--general(i0050) #consumerreportingagencies(s0120) #consumerprotection(i0080) #crimes--juvenile(i0190) #financial--general(i0365)
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Bill Summary · SB 585

Legislative bill overview

SB 585 restricts what criminal history information can appear on consumer credit reports by limiting the inclusion of certain criminal records. The bill modifies reporting requirements for consumer reporting agencies regarding criminal background data, likely aligning with broader trends toward "ban the box" policies and criminal justice reform that aim to reduce barriers for individuals with records seeking employment and credit.

Why is this important

Criminal records on consumer reports can significantly impact employment prospects, housing access, and credit opportunities. This bill affects millions of Texans with criminal histories and the consumer reporting industry's current practices, potentially reshaping hiring and lending decisions across the state.

Potential points of contention

  • Industry compliance costs: Consumer reporting agencies may face administrative and technological expenses to modify reporting systems and verify which records qualify for exclusion
  • Public safety concerns: Creditors and employers argue access to complete criminal histories protects against fraud and mitigates risk, while advocates counter that old or minor offenses shouldn't permanently block opportunities
  • Scope ambiguity: The bill's specific language about "certain criminal history" leaves questions about which offenses are covered, potentially creating inconsistent implementation across agencies

Compiled from official sources — confirm details with the bill’s official record.

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