AB133-ASA1-AA20,4,21 21(1) "Consumer report" has the meaning given in 15 USC 1681a (d).
AB133-ASA1-AA20,4,22 22(2) "Consumer reporting agency" has the meaning given in 15 USC 1681a (f).
AB133-ASA1-AA20,4,23 23(3) "File" has the meaning given in 15 USC 1681a (g).
AB133-ASA1-AA20,5,2
1(4) "Investigative consumer report" has the meaning given in 15 USC 1681a
2(e).
AB133-ASA1-AA20,5,4 3(5) "Summary of rights" means the information a consumer reporting agency
4is required to provide under 15 USC 1681g (c).
AB133-ASA1-AA20,5,8 5422.602 Disclosure to individual. (1) In general. A consumer reporting
6agency shall, upon the written request of an individual, provide the individual with
7a written disclosure report within 5 business days after receiving the written
8request.
AB133-ASA1-AA20,5,10 9(2) Contents. The written disclosure report provided under sub. (1) shall
10contain all of the following:
AB133-ASA1-AA20,5,1111 (a) A current consumer report pertaining to the individual.
AB133-ASA1-AA20,5,1412 (b) The date of each request for credit information pertaining to the individual
13received by the consumer reporting agency during the 12 months before the date that
14the consumer reporting agency provides the written disclosure report.
AB133-ASA1-AA20,5,1715 (c) The name of each person requesting credit information pertaining to the
16individual during the 12 months before the date that the consumer reporting agency
17provides the written disclosure report.
AB133-ASA1-AA20,5,1918 (d) The dates, original payees and amounts of any checks upon which any
19adverse characterization of the consumer is based.
AB133-ASA1-AA20,5,2020 (e) Any other information contained in the individual's file.
AB133-ASA1-AA20,5,2221 (f) A clear and concise explanation of the contents of the written disclosure
22report.
AB133-ASA1-AA20,5,2323 (g) A summary of rights.
AB133-ASA1-AA20,6,2 24(3) Cost. A consumer reporting agency shall provide the written disclosure
25report required under sub. (1) free of charge, unless the individual has requested a

1written disclosure report from the consumer reporting agency during the preceding
212 months.
AB133-ASA1-AA20,6,5 3422.603 Exceptions. Notwithstanding s. 422.602 (2), a consumer reporting
4agency shall not disclose to an individual making a request under s. 422.602 (1) any
5of the following:
AB133-ASA1-AA20,6,7 6(1) The sources of any information that was both acquired solely for use in
7preparing an investigative consumer report and used for no other purpose.
AB133-ASA1-AA20,6,8 8(2) Any credit score or other risk score or predictor relating to the consumer.
AB133-ASA1-AA20,6,9 9422.604 Penalty. A violation of this subchapter is subject to s. 425.401 (2).
AB133-ASA1-AA20, s. 2822x 10Section 2822x. 425.401 of the statutes is renumbered 425.401 (1).
AB133-ASA1-AA20, s. 2822z 11Section 2822z. 425.401 (2) of the statutes is created to read:
AB133-ASA1-AA20,6,1412 425.401 (2) Any person who violates s. 422.602 may be fined not more than
13$500 for the first offense and may be fined not more than $1000 or imprisoned for not
14more than 6 months or both for each subsequent offense occurring within 6 months.".
AB133-ASA1-AA20,6,15 158. Page 1431, line 11: after that line insert:
AB133-ASA1-AA20,6,16 16" Section 3113g. 895.505 of the statutes is created to read:
AB133-ASA1-AA20,6,18 17895.505 Disposal of records containing personal information. (1)
18Definitions. In this section:
AB133-ASA1-AA20,6,2119 (a) "Business" means an organization or enterprise operated for profit,
20including a sole proprietorship, partnership, firm, business trust, joint venture,
21syndicate, corporation, limited liability company or association.
AB133-ASA1-AA20,6,2422 (b) "Personal information" means personally identifiable data about an
23individual's medical or financial condition that is not generally considered to be
24public knowledge.
AB133-ASA1-AA20,7,3
1(c) "Personally identifiable" means capable of being associated with a
2particular individual through one or more identifiers or other information or
3circumstances.
AB133-ASA1-AA20,7,64 (d) "Record" means any material on which written, drawn, printed, spoken,
5visual or electromagnetic information is recorded or preserved, regardless of
6physical form or characteristics.
AB133-ASA1-AA20,7,9 7(2) Disposal of records containing personal information. A business may not
8dispose of a record containing personal information unless the business does any of
9the following:
AB133-ASA1-AA20,7,1110 (a) Prior to the disposal of the record, the business shreds, erases or otherwise
11modifies the record to make the personal information unreadable.
AB133-ASA1-AA20,7,1412 (b) The business takes actions that it reasonably believes will ensure that no
13unauthorized person will have access to the personal information contained in the
14record for the period between the record's disposal and the record's destruction.
AB133-ASA1-AA20,7,17 15(3) Cause of action. Notwithstanding s. 814.04 (1), a business that violates
16sub. (2) is liable to any person damaged by the violation for the amount of damages
17and for reasonable attorney fees.".
AB133-ASA1-AA20,7,18 189. Page 1431, line 12: before that line insert:
AB133-ASA1-AA20,7,19 19" Section 3113r. 895.507 of the statutes is created to read:
AB133-ASA1-AA20,7,21 20895.507 Sale or lease of personal information. (1) Definitions. In this
21section:
AB133-ASA1-AA20,7,2222 (a) "Business" has the meaning given in s. 895.505 (1) (a).
AB133-ASA1-AA20,7,2323 (b) "Personal information" has the meaning given in s. 895.505 (1) (b).
AB133-ASA1-AA20,7,2424 (c) "Personally identifiable" has the meaning given in s. 895.505 (1) (c).
AB133-ASA1-AA20,8,1
1(d) "Record" has the meaning given in s. 895.505 (1) (d).
AB133-ASA1-AA20,8,5 2(2) Prohibited activities. No business may sell or lease to any person a record
3that contains an individual's name or personally identifiable information if the
4individual to whom the name or information relates has requested the business to
5refrain from selling, leasing or renting the name or information.".
AB133-ASA1-AA20,8,6 610. Page 1604, line 1: before that line insert:
AB133-ASA1-AA20,8,8 7"(5b) Disposal of personal information. The treatment of section 895.505 of
8the statutes first applies to records disposed on the effective date of this subsection.
AB133-ASA1-AA20,8,11 9(5bc) Sale or lease of personal information. The treatment of section 895.507
10of the statutes first applies to the sale or lease of records on the effective date of this
11subsection.
AB133-ASA1-AA20,8,14 12(5bd) Disclosure of credit card records. The treatment of section 138.25 of
13the statutes first applies to disclosures of information or data on the effective date
14of this subsection.
AB133-ASA1-AA20,8,17 15(5be) Consumer reporting agencies. The treatment of subchapter VI of
16chapter 422 of the statutes first applies to requests for reports made on the effective
17date of this subsection.".
AB133-ASA1-AA20,8,18 1811. Page 1617, line 16: after that line insert:
AB133-ASA1-AA20,8,21 19"(5d) Disposal of personal information. The treatment of section 895.505 of
20the statutes and the treatment of Section 9358 (5b) of this act takes effect on the first
21day of the 4th month beginning after publication.".
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