Amends TCA Title 13; Title 45; Title 47 and Title 66.

This bill requires a consumer reporting agency to include reported payments of rent and utilities on a consumer report beginning July 1, 2024. As used in this bill, “consumer reporting agency” means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and that uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. As used in this bill, “consumer report” means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. This bill authorizes the person to whom the consumer report applies to dispute the completeness or accuracy of such information, as provided under the federal Fair Credit Reporting Act, if a consumer reporting agency does not include the information required by this bill in a consumer report. VIOLATIONS This bill provides that a violation of this bill constitutes a violation of the Tennessee Consumer Protection Act of 1977. A violation of this bill constitutes an unfair or deceptive act or practice affecting trade or commerce and is subject to the penalties and remedies as provided in that Act, in addition to the penalties and remedies of this bill. This bill provides that the attorney general has all of the investigative and enforcement authority that the attorney general has under that Act relating to alleged violations of this bill. The attorney general may institute any proceedings involving alleged violations of this bill in Davidson County circuit or chancery court or any other venue otherwise permitted by law. This bill prohibits costs of any kind or nature from being taxed against the attorney general and reporter or the state in actions commenced under this bill.