Consumer Protection - Identity Theft Debt

Summary

The bill lets a consumer send a certified‑mail notice to a creditor claiming a debt is the result of identity theft, along with supporting evidence. The creditor must halt collection, investigate within 30 days, and either cease collection permanently or notify the consumer of the findings. Consumers can then bring a civil action, demand a jury trial, and recover damages if the creditor violated the new rules.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

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