Relating to limitations on the information reported by consumer reporting agencies.

SB 696 limits the information consumer reporting agencies (like credit bureaus) can include in credit reports. It prohibits reporting most bankruptcy history older than 10 years, civil judgments or lawsuits older than 7 years, tax liens paid over 7 years ago, criminal records (arrests, convictions, or charges without conviction) older than 7 years, and certain medical debt related to out-of-network care. The bill directly affects consumers by removing older negative information from their credit reports, potentially improving their credit scores. It takes effect immediately if approved by a two-thirds vote or on September 1, 2025, if not.