Model State Clean Credit and Identity Theft Protection Act

The State Clean Credit and Identity Theft Protection Act offers specific, workable provisions that state legislatures can adopt to reduce the risk of identity theft and to give consumers tools to prevent some of the harm from identity theft. The model law offers types of protections and of these that have actually been adopted by state legislatures. This model law was prepared by CU and the State PIRGs.

April 14, 2009

Model State Clean Credit and Identity Theft Protection ActCongress did not complete the job of protecting citizens from identity theft or credit bureau mistakes when it enacted the Fair and Accurate Credit transactions Act (FACT Act). The FACT Act allows states to take additional steps to reduce identity theft. Consumers Union and the Public Interest Research Groups have developed the State Clean Credit and Identity Theft Protection Act as a model for states seeking to enact stronger protections for consumers.

The model act seeks to address those areas where states must act to give consumers greater rights under federal law and also proposes additional safeguards in some of the numerous areas not preempted by the FACT Act.

Click here for a PDF copy of the State Clean Credit and Identity Theft Protection Act.