Shown verbatim: the complete text as captured from the official PDF posted by the Oklahoma Legislature, fetched 2026-07-23. Page and line markers are part of the official record; nothing is edited or removed. The official bill page.
1 STATE OF OKLAHOMA
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2 1st Session of the 60th Legislature (2025)
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3 SENATE BILL 584 By: Wingard
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6 AS INTRODUCED
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7 An Act relating to consumer credit; defining terms;
7 requiring the consent of consumer before requesting a
8 consumer credit report; requiring the Department of
8 Consumer Credit to make available certain form;
9 requiring the Commission on Consumer Credit to
9 prescribe certain form; providing for codification;
10 and providing an effective date.
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13 BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
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14 SECTION 1. NEW LAW A new section of law to be codified
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15 in the Oklahoma Statutes as Section 1-112 of Title 14A, unless there
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16 is created a duplication in numbering, reads as follows:
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17 A. As used in this section:
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18 1. "Consumer" shall have the same meaning as the term is
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19 defined in 15 U.S.C., Section 1681a(c);
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20 2. "Consumer report" shall have the same meaning as the term is
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21 defined in 15 U.S.C., Section 1681a(d)(1), except that the term
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22 shall not include a consumer report requested by an employer for
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23 employment purposes; and
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Req. No. 435 Page 1
1 3. "Consumer reporting agency" shall have the same meaning as
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2 the term is defined in 15 U.S.C., Section 1681a(f).
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3 B. On and after January 1, 2026, no person or entity shall
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4 request a consumer report from a consumer reporting agency for the
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5 purposes of facilitating a credit or insurance transaction, without
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6 obtaining signed consent on a form provided in subsection C of this
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7 section, if the request will affect the credit score or the credit
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8 report of the consumer.
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9 C. Before January 1, 2026, the Department of Consumer Credit
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10 shall make available online a form, as prescribed by the Commission
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11 on Consumer Credit, for consumer disclosure and the consent of the
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12 consumer authorizing the request to obtain a consumer report. The
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13 form shall contain:
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14 1. A section requiring the identifying information of the
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15 person or entity requesting the consumer report of the consumer and
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16 the reason for obtaining the consumer report;
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17 2. A section in which the consumer provides his or her name and
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18 signature consenting to the furnishing of the consumer report; and
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19 3. A statement of disclosure describing what the consumer
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20 report entails and the effect it will have on the credit score and
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21 the consumer report of the consumer.
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22 SECTION 2. This act shall become effective November 1, 2025.
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24 60-1-435 QD 1/19/2025 5:39:14 AM
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Req. No. 435 Page 2Every fact on this page links to its source, starting with the official bill record.