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Texas Statutes (Last Updated: January 4, 2014) |
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BUSINESS AND COMMERCE CODE |
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Title 2. COMPETITION AND TRADE PRACTICES |
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Chapter 20. REGULATION OF CONSUMER CREDIT REPORTING AGENCIES |
Sec. 20.021. CHECK VERIFICATION AND CHECK GUARANTEE SERVICES; DISCLOSURES TO CONSUMERS
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(a) In this section, "check verifier" means any business offering check verification or check guarantee services in this state.
(b) On request and proper identification provided by a consumer, a check verifier shall disclose to the consumer in writing all information pertaining to the consumer in the check verifier's files at the time of the request, including:
(1) the criteria used by the check verifier to reject a check from the consumer;
(2) a set of instructions describing how information is presented on the check verifier's written disclosure of the consumer file; and
(3) a toll-free number at which personnel are available to consumers during normal business hours for use in resolving a dispute if the consumer submits a written dispute to the check verifier.
(c) A check verifier may not charge a consumer for disclosing the information required under Subsection (b) if the check verifier has rejected a check from the consumer in the 30 days prior to the consumer's request for information. A check verifier may otherwise impose a reasonable charge on a consumer for the disclosure of information pertaining to the consumer in an amount not to exceed $8.