Texas § BC.20.021 - CHECK VERIFICATION AND CHECK GUARANTEE SERVICES

§ BC.20.021. CHECK VERIFICATION AND CHECK GUARANTEE SERVICES

CHECK VERIFICATION AND CHECK GUARANTEE SERVICES; DISCLOSURES TO CONSUMERS. (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. Added by Acts 2003, 78th Leg., ch. 1291, Sec. 2, eff. Sept. 1, 2003. Renumbered from Business and Commerce Code, Section 20.11 by Acts 2005, 79th Leg., Ch. 728 (H.B. 2018 ), Sec. 23.001(2), eff. September 1, 2005. Assigned by Acts 2013, 83rd Leg., R.S., Ch. 64 (S.B. 60 ), Sec. 2, eff. January 1, 2014.