WEBVTT 00:00:00.000 --> 00:00:02.976 align:middle line:90% [MUSIC PLAYING] 00:00:02.976 --> 00:00:20.350 align:middle line:90% 00:00:20.350 --> 00:00:21.519 align:middle line:90% Mr. Jones or North Reading. 00:00:21.519 --> 00:00:23.810 align:middle line:84% Does the presence of a quorum-- the chair can ascertain 00:00:23.810 --> 00:00:25.605 align:middle line:90% a quorum is not present. 00:00:25.605 --> 00:00:27.510 align:middle line:84% Court officers will summons the members 00:00:27.510 --> 00:00:31.770 align:middle line:84% and tell them that a quorum roll call is in progress 00:00:31.770 --> 00:00:33.455 align:middle line:84% and will remain open for three minutes. 00:00:33.455 --> 00:07:27.917 align:middle line:90% 00:07:27.917 --> 00:07:29.500 align:middle line:84% Have all members voted who wish to do? 00:07:29.500 --> 00:07:30.750 align:middle line:90% Have all members voted? 00:07:30.750 --> 00:07:34.490 align:middle line:90% 00:07:34.490 --> 00:07:38.287 align:middle line:84% We still have-- we only have 136 members recorded, sir. 00:07:38.287 --> 00:07:38.787 align:middle line:90% Yeah. 00:07:38.787 --> 00:12:53.060 align:middle line:90% 00:12:53.060 --> 00:12:54.950 align:middle line:84% Has everyone voted who wished to do so? 00:12:54.950 --> 00:13:01.370 align:middle line:90% 00:13:01.370 --> 00:13:02.600 align:middle line:90% Time for voting has expired. 00:13:02.600 --> 00:13:05.130 align:middle line:90% Clerk will display the tally. 00:13:05.130 --> 00:13:11.060 align:middle line:84% There being 139 members present, a quorum is present. 00:13:11.060 --> 00:13:14.870 align:middle line:90% 00:13:14.870 --> 00:13:16.370 align:middle line:84% Members will please take their seats 00:13:16.370 --> 00:13:18.110 align:middle line:90% and subdue their conversations. 00:13:18.110 --> 00:13:38.810 align:middle line:90% 00:13:38.810 --> 00:13:40.110 align:middle line:90% Mr. Chan of Quincy. 00:13:40.110 --> 00:13:41.954 align:middle line:90% The chair's been informed. 00:13:41.954 --> 00:13:45.650 align:middle line:84% House Bill 4232 has been released. 00:13:45.650 --> 00:13:48.200 align:middle line:84% Chair's been informed that House Bill number 00:13:48.200 --> 00:13:52.760 align:middle line:84% 4232 has been released by the committee in third reading. 00:13:52.760 --> 00:13:54.720 align:middle line:90% Mr. Chan moves suspension. 00:13:54.720 --> 00:13:56.962 align:middle line:84% Mr. Chan of Quincy moves suspension of the rules. 00:13:56.962 --> 00:13:58.670 align:middle line:84% All those in favor, say aye, opposed, no. 00:13:58.670 --> 00:13:59.420 align:middle line:90% The aye's have it. 00:13:59.420 --> 00:14:01.457 align:middle line:90% The rules are suspended. 00:14:01.457 --> 00:14:02.540 align:middle line:90% Third reading of the bill. 00:14:02.540 --> 00:14:05.350 align:middle line:90% 00:14:05.350 --> 00:14:08.440 align:middle line:84% An act removing fees for security freezes 00:14:08.440 --> 00:14:10.890 align:middle line:84% and disclosures of consumer credit reports. 00:14:10.890 --> 00:14:17.980 align:middle line:90% House number 4232. 00:14:17.980 --> 00:14:18.820 align:middle line:90% Question comes. 00:14:18.820 --> 00:14:20.500 align:middle line:84% I'm passing the bill to being gross. 00:14:20.500 --> 00:14:24.360 align:middle line:84% The chair recognized Mr. Chan of Quincy. 00:14:24.360 --> 00:14:27.610 align:middle line:84% Again, members are please asked to take their seats 00:14:27.610 --> 00:14:29.500 align:middle line:90% and subdue your conversations. 00:14:29.500 --> 00:14:44.360 align:middle line:90% 00:14:44.360 --> 00:14:46.070 align:middle line:90% Mr. Chan of Quincy. 00:14:46.070 --> 00:14:48.660 align:middle line:84% Thank you, Mr. Speaker, and through you, to the members. 00:14:48.660 --> 00:14:51.230 align:middle line:84% Today we're going to take up a very important consumer 00:14:51.230 --> 00:14:55.520 align:middle line:84% piece that affects every customer, every resident, 00:14:55.520 --> 00:14:57.950 align:middle line:84% every business, every organization 00:14:57.950 --> 00:14:59.330 align:middle line:90% in the Commonwealth. 00:14:59.330 --> 00:15:01.400 align:middle line:84% And this is regarding data breaches. 00:15:01.400 --> 00:15:03.170 align:middle line:84% And at first I would like to recognize 00:15:03.170 --> 00:15:06.590 align:middle line:84% the gentlewoman from Lunenburg and the gentleman from Sandwich 00:15:06.590 --> 00:15:10.280 align:middle line:84% for their advocacy on this very important issue. 00:15:10.280 --> 00:15:13.880 align:middle line:84% And also my committee staff for the many months 00:15:13.880 --> 00:15:15.980 align:middle line:84% on researching this very complex issue 00:15:15.980 --> 00:15:19.470 align:middle line:84% involving modern technology in the 21st century. 00:15:19.470 --> 00:15:23.810 align:middle line:84% And the way that people can steal information like it's 00:15:23.810 --> 00:15:25.830 align:middle line:90% never been done before. 00:15:25.830 --> 00:15:28.130 align:middle line:84% This bill is often referred to as the Equifax Bill, 00:15:28.130 --> 00:15:30.140 align:middle line:84% but this is much more than Equifax. 00:15:30.140 --> 00:15:33.050 align:middle line:84% This is a bill about protecting people's identity 00:15:33.050 --> 00:15:37.010 align:middle line:84% by allowing consumers how to choose the best 00:15:37.010 --> 00:15:40.450 align:middle line:90% way to protect their credit. 00:15:40.450 --> 00:15:43.460 align:middle line:84% A lot of information is loose on the internet, as we know, 00:15:43.460 --> 00:15:46.430 align:middle line:84% and the gentlewoman's bill from Lunenburg 00:15:46.430 --> 00:15:49.610 align:middle line:84% allows free credit freezes, which 00:15:49.610 --> 00:15:52.430 align:middle line:84% means that you do not have to pay 00:15:52.430 --> 00:15:54.740 align:middle line:84% the minimum $5, pursuant to state law, 00:15:54.740 --> 00:15:57.110 align:middle line:84% to freeze your credit, which prevents people 00:15:57.110 --> 00:15:59.300 align:middle line:84% from seeing your credit report or any other credit 00:15:59.300 --> 00:16:01.970 align:middle line:84% information from the three credit reporting companies 00:16:01.970 --> 00:16:04.280 align:middle line:90% as well as to remove the costs. 00:16:04.280 --> 00:16:06.590 align:middle line:84% And lifting a freeze, which means you remove it, 00:16:06.590 --> 00:16:09.470 align:middle line:84% or thawing a freeze, which means you temporary remove it. 00:16:09.470 --> 00:16:13.580 align:middle line:84% And this removes a major burden from consumers 00:16:13.580 --> 00:16:17.249 align:middle line:84% to be able to let people know what credit they have. 00:16:17.249 --> 00:16:19.040 align:middle line:84% And this is going to be very important too, 00:16:19.040 --> 00:16:23.120 align:middle line:84% given the news reports out there of other types of security 00:16:23.120 --> 00:16:26.810 align:middle line:90% breaches to their personal data. 00:16:26.810 --> 00:16:29.840 align:middle line:84% Following that line of thinking regarding consumer protection 00:16:29.840 --> 00:16:32.150 align:middle line:84% and choice, A breach entity will be 00:16:32.150 --> 00:16:34.790 align:middle line:84% required to provide one year of free credit monitoring 00:16:34.790 --> 00:16:36.440 align:middle line:84% as well as other mitigation services, 00:16:36.440 --> 00:16:40.430 align:middle line:84% as appropriate, if the social security numbers are stolen. 00:16:40.430 --> 00:16:45.740 align:middle line:84% 86% of all identity thief identity thefts 00:16:45.740 --> 00:16:49.900 align:middle line:84% are done by banks and credit cards, 00:16:49.900 --> 00:16:52.401 align:middle line:84% and the remainder are people actually stealing your identity 00:16:52.401 --> 00:16:53.858 align:middle line:84% through your social security number 00:16:53.858 --> 00:16:55.570 align:middle line:84% to become you to open bank accounts 00:16:55.570 --> 00:16:59.030 align:middle line:90% and other unlawful ways. 00:16:59.030 --> 00:17:01.510 align:middle line:84% The most common form is actually stealing information 00:17:01.510 --> 00:17:03.940 align:middle line:84% from your own home, generally from someone you trust, 00:17:03.940 --> 00:17:06.010 align:middle line:84% and assuming that person's identity. 00:17:06.010 --> 00:17:10.270 align:middle line:84% And that is a crime which is not often reported. 00:17:10.270 --> 00:17:12.910 align:middle line:84% Because we hear about data being stolen on a global level 00:17:12.910 --> 00:17:15.130 align:middle line:84% by international or domestic forces, 00:17:15.130 --> 00:17:19.420 align:middle line:84% but rarely talk about somebody who the individual trusts 00:17:19.420 --> 00:17:22.630 align:middle line:84% and abuses that trust in that person's home. 00:17:22.630 --> 00:17:24.700 align:middle line:84% So the one-year free mitigation is for businesses 00:17:24.700 --> 00:17:27.849 align:middle line:84% to give that ability to give you credit monitoring which 00:17:27.849 --> 00:17:30.490 align:middle line:84% allows you to know when someone's accessing your credit 00:17:30.490 --> 00:17:34.300 align:middle line:84% and choose if to allow that business to access your credit. 00:17:34.300 --> 00:17:35.780 align:middle line:90% And it's a very useful tool. 00:17:35.780 --> 00:17:37.840 align:middle line:84% I highly suggest everyone look at that. 00:17:37.840 --> 00:17:39.400 align:middle line:84% Following the same line of thinking, 00:17:39.400 --> 00:17:42.310 align:middle line:84% we allow minors and incapacitated persons 00:17:42.310 --> 00:17:45.160 align:middle line:84% to be able to get a credit freeze. 00:17:45.160 --> 00:17:46.760 align:middle line:84% Currently, if you watch news reports, 00:17:46.760 --> 00:17:48.301 align:middle line:84% there's an increasing number of cases 00:17:48.301 --> 00:17:51.970 align:middle line:84% of minors under the age of 16 to have their identities stolen 00:17:51.970 --> 00:17:55.000 align:middle line:84% and become someone else as well as opening 00:17:55.000 --> 00:17:56.930 align:middle line:90% credits of bank accounts. 00:17:56.930 --> 00:17:58.360 align:middle line:90% Why age 16? 00:17:58.360 --> 00:18:01.210 align:middle line:84% Because age 16 you can get a credit card cosigned 00:18:01.210 --> 00:18:04.030 align:middle line:84% by your parent, as well as the age people start 00:18:04.030 --> 00:18:06.850 align:middle line:84% work, which means often to get a bank account, which also means 00:18:06.850 --> 00:18:09.350 align:middle line:84% that information is provided to the credit reporting company 00:18:09.350 --> 00:18:12.530 align:middle line:84% from the bank that you are indeed working. 00:18:12.530 --> 00:18:15.460 align:middle line:84% So in the Bureau of Justice, the FBI 00:18:15.460 --> 00:18:20.140 align:middle line:84% also uses a 16 as the age where they determine identity theft 00:18:20.140 --> 00:18:22.660 align:middle line:90% between an adult and a minor. 00:18:22.660 --> 00:18:24.850 align:middle line:84% So that makes a lot of sense at that stage. 00:18:24.850 --> 00:18:26.450 align:middle line:84% And like I said, this also extends 00:18:26.450 --> 00:18:30.100 align:middle line:84% to incapacitated persons, which, as I said earlier, 00:18:30.100 --> 00:18:31.670 align:middle line:84% comes from somebody you trust that 00:18:31.670 --> 00:18:33.205 align:middle line:90% steals that person's identity. 00:18:33.205 --> 00:18:35.080 align:middle line:84% Lastly, this was actually a great opportunity 00:18:35.080 --> 00:18:37.480 align:middle line:84% to bring our statute to the 21st century. 00:18:37.480 --> 00:18:42.250 align:middle line:84% The current law, under Chapter 93 and 93H and G 00:18:42.250 --> 00:18:45.730 align:middle line:90% reflect the time of 2007. 00:18:45.730 --> 00:18:49.030 align:middle line:84% At that time, secure websites didn't really 00:18:49.030 --> 00:18:51.850 align:middle line:84% exist regarding getting credit reports or credit monitoring 00:18:51.850 --> 00:18:53.590 align:middle line:90% or credit freezes. 00:18:53.590 --> 00:18:55.810 align:middle line:84% You actually had to do it by mail. 00:18:55.810 --> 00:18:57.730 align:middle line:90% Today we have apps on phones. 00:18:57.730 --> 00:18:59.860 align:middle line:84% Today you can get to a secure website. 00:18:59.860 --> 00:19:02.860 align:middle line:84% There's a lot of protocols on getting a credit report, 00:19:02.860 --> 00:19:04.372 align:middle line:84% as well as getting a credit freeze. 00:19:04.372 --> 00:19:06.580 align:middle line:84% I've actually done it myself to get my credit report, 00:19:06.580 --> 00:19:07.990 align:middle line:84% and was astonished about the number of things 00:19:07.990 --> 00:19:09.740 align:middle line:84% I had to tell the credit reporting company 00:19:09.740 --> 00:19:11.620 align:middle line:90% to confirm my identity. 00:19:11.620 --> 00:19:18.370 align:middle line:84% And the ability to bring us up to modern standards 00:19:18.370 --> 00:19:22.000 align:middle line:84% would also ensure that you can get your credit freeze lifted 00:19:22.000 --> 00:19:24.350 align:middle line:90% or thawed within 15 minutes. 00:19:24.350 --> 00:19:27.040 align:middle line:84% That's something you couldn't have done a decade ago 00:19:27.040 --> 00:19:29.710 align:middle line:84% because the verification method would've been much more 00:19:29.710 --> 00:19:32.050 align:middle line:84% stringent regarding actually getting information 00:19:32.050 --> 00:19:35.140 align:middle line:84% from the individual itself as soon as you make the request. 00:19:35.140 --> 00:19:38.110 align:middle line:84% So today's ability to verify via electronically 00:19:38.110 --> 00:19:41.080 align:middle line:84% also increases the time that you can do this. 00:19:41.080 --> 00:19:45.700 align:middle line:84% With the free credit freezes and 15 minute thaws and lifts 00:19:45.700 --> 00:19:49.000 align:middle line:84% and removals, that is a great savings 00:19:49.000 --> 00:19:52.750 align:middle line:84% for customers who want to ensure that they do not 00:19:52.750 --> 00:19:55.720 align:middle line:84% have unauthorized access to the credit report 00:19:55.720 --> 00:19:58.520 align:middle line:84% by people who shouldn't be looking at it. 00:19:58.520 --> 00:20:02.680 align:middle line:84% So this is a very, very technical piece. 00:20:02.680 --> 00:20:06.610 align:middle line:84% I want to hit some of the major highlights today. 00:20:06.610 --> 00:20:08.800 align:middle line:84% But I think we should all be very proud of the fact 00:20:08.800 --> 00:20:11.890 align:middle line:84% that we were able to address this issue in a very 00:20:11.890 --> 00:20:13.510 align:middle line:90% timely manner. 00:20:13.510 --> 00:20:16.330 align:middle line:84% Less than four months, we're able to generate a vote 00:20:16.330 --> 00:20:21.190 align:middle line:84% to put on the floor and to tell our residents at home that we 00:20:21.190 --> 00:20:23.920 align:middle line:84% created a new consumer protection that 00:20:23.920 --> 00:20:27.370 align:middle line:84% will affect every single person in the Commonwealth. 00:20:27.370 --> 00:20:30.250 align:middle line:84% And it's very friendly to everyone 00:20:30.250 --> 00:20:36.170 align:middle line:84% who believes they're a victim of some form of identity theft. 00:20:36.170 --> 00:20:40.960 align:middle line:84% So Mr. Speaker, I ask that the yeas and nays 00:20:40.960 --> 00:20:44.012 align:middle line:90% be called on the Grossman. 00:20:44.012 --> 00:20:45.220 align:middle line:90% So yeas and nays [INAUDIBLE]. 00:20:45.220 --> 00:20:47.620 align:middle line:84% Mr. Chan of Quincy moves on a vote be taken. 00:20:47.620 --> 00:20:51.980 align:middle line:84% It will be taken by a call of the yeas and nays. 00:20:51.980 --> 00:20:55.300 align:middle line:84% Joining with him, please rise, first division. 00:20:55.300 --> 00:20:57.100 align:middle line:90% 16. 00:20:57.100 --> 00:20:58.502 align:middle line:90% 16? 00:20:58.502 --> 00:21:00.472 align:middle line:84% That would be a sufficient number being 00:21:00.472 --> 00:21:01.930 align:middle line:84% having arisen when a vote is taken, 00:21:01.930 --> 00:21:04.430 align:middle line:84% and be taken by a call of the yeas and nays. 00:21:04.430 --> 00:21:07.070 align:middle line:90% The chair would like [AUDIO OUT] 00:21:07.070 --> 00:21:09.570 align:middle line:90% [APPLAUSE] 00:21:09.570 --> 00:29:15.570 align:middle line:90% 00:29:15.570 --> 00:29:18.000 align:middle line:90% [GAVEL POUNDING] 00:29:18.000 --> 00:29:19.100 align:middle line:90% House will be in order. 00:29:19.100 --> 00:29:21.920 align:middle line:90% 00:29:21.920 --> 00:29:25.720 align:middle line:90% Court officers clear the aisles. 00:29:25.720 --> 00:29:26.390 align:middle line:90% Clear the well. 00:29:26.390 --> 00:29:29.950 align:middle line:90% 00:29:29.950 --> 00:29:31.330 align:middle line:90% Court officers clear the aisles. 00:29:31.330 --> 00:29:43.162 align:middle line:90% 00:29:43.162 --> 00:29:45.534 align:middle line:90% [GAVEL POUNDING] 00:29:45.534 --> 00:29:47.700 align:middle line:84% Chairman will respectfully ask the members to please 00:29:47.700 --> 00:29:48.990 align:middle line:90% subdue their conversation. 00:29:48.990 --> 00:29:52.350 align:middle line:90% 00:29:52.350 --> 00:29:55.098 align:middle line:84% Chair recognizes Miss Benson of Lunenburg. 00:29:55.098 --> 00:29:58.030 align:middle line:90% 00:29:58.030 --> 00:30:01.900 align:middle line:84% Good afternoon to all of my colleagues and all of us 00:30:01.900 --> 00:30:03.400 align:middle line:90% in service of the Commonwealth. 00:30:03.400 --> 00:30:05.950 align:middle line:90% Today is a great day. 00:30:05.950 --> 00:30:10.870 align:middle line:84% This bill will help us protect our constituents, 00:30:10.870 --> 00:30:12.370 align:middle line:90% moving forward. 00:30:12.370 --> 00:30:17.530 align:middle line:84% So you know, as consumers of credit, as 90% of all Americans 00:30:17.530 --> 00:30:21.490 align:middle line:90% are, we are at risk regularly. 00:30:21.490 --> 00:30:24.380 align:middle line:90% Our information is out there. 00:30:24.380 --> 00:30:26.320 align:middle line:84% And what we're trying to say in this bill 00:30:26.320 --> 00:30:30.000 align:middle line:90% is that data is your property. 00:30:30.000 --> 00:30:34.210 align:middle line:84% And as your property, you have the right to control it, 00:30:34.210 --> 00:30:36.850 align:middle line:84% to get reports on it, and to ensure that it 00:30:36.850 --> 00:30:39.260 align:middle line:90% hasn't been stolen from you. 00:30:39.260 --> 00:30:40.970 align:middle line:90% So this bill goes a long way. 00:30:40.970 --> 00:30:44.980 align:middle line:84% And the chairman explained very well the points of this bill. 00:30:44.980 --> 00:30:48.430 align:middle line:84% But really what I wanted to talk about is why I filed it. 00:30:48.430 --> 00:30:51.490 align:middle line:84% I filed this bill before the Equifax breach. 00:30:51.490 --> 00:30:54.340 align:middle line:90% I filed this bill a year ago. 00:30:54.340 --> 00:30:59.810 align:middle line:84% Because we have seen over and over and over again, 00:30:59.810 --> 00:31:02.830 align:middle line:84% our data is not safe, and our data 00:31:02.830 --> 00:31:06.910 align:middle line:84% is being used to create new identities that 00:31:06.910 --> 00:31:09.010 align:middle line:90% will harm us into the future. 00:31:09.010 --> 00:31:12.400 align:middle line:84% And all too often, when a breach is discovered, 00:31:12.400 --> 00:31:14.500 align:middle line:90% it is months later. 00:31:14.500 --> 00:31:17.980 align:middle line:84% We have the right to know when our data has 00:31:17.980 --> 00:31:23.650 align:middle line:84% been accessed by a third party without our permission. 00:31:23.650 --> 00:31:26.080 align:middle line:84% We have a right to know what impact that 00:31:26.080 --> 00:31:27.670 align:middle line:90% will have on our credit report. 00:31:27.670 --> 00:31:30.550 align:middle line:84% And we have a right to freeze that credit 00:31:30.550 --> 00:31:35.030 align:middle line:84% if we want to ensure that it is not used to harm us. 00:31:35.030 --> 00:31:40.280 align:middle line:84% So I am very excited to stand here today and move this bill. 00:31:40.280 --> 00:31:46.000 align:middle line:84% This bill has been well received by not only advocates working 00:31:46.000 --> 00:31:51.100 align:middle line:84% in support, people who are working for good government 00:31:51.100 --> 00:31:52.870 align:middle line:84% and good regulation, people who are 00:31:52.870 --> 00:31:56.080 align:middle line:84% working to protect our seniors, our attorney 00:31:56.080 --> 00:31:59.380 align:middle line:90% general, and others. 00:31:59.380 --> 00:32:01.380 align:middle line:84% So it's a good day for all of them, 00:32:01.380 --> 00:32:03.420 align:middle line:84% but it's a good day for my constituents. 00:32:03.420 --> 00:32:06.400 align:middle line:84% Because I have been hearing for the last year 00:32:06.400 --> 00:32:11.530 align:middle line:84% how they are afraid of being held at the whim of the credit 00:32:11.530 --> 00:32:15.220 align:middle line:84% agencies and the organizations that are not doing all 00:32:15.220 --> 00:32:17.060 align:middle line:90% they can to protect us. 00:32:17.060 --> 00:32:21.220 align:middle line:84% And they want us to ensure that we have good regulations 00:32:21.220 --> 00:32:24.610 align:middle line:84% and laws in place to protect them on a daily basis 00:32:24.610 --> 00:32:30.070 align:middle line:84% like we would with any other public safety or education 00:32:30.070 --> 00:32:33.910 align:middle line:90% or financial issue. 00:32:33.910 --> 00:32:37.530 align:middle line:84% And so it is imperative that we pass this bill today, 00:32:37.530 --> 00:32:40.660 align:middle line:84% and I so appreciate all of you taking the time 00:32:40.660 --> 00:32:42.460 align:middle line:84% to learn so much about this legislation. 00:32:42.460 --> 00:32:46.870 align:middle line:84% It has been quite the talk of the town. 00:32:46.870 --> 00:32:50.350 align:middle line:84% So I have to thank the chairman and the speaker 00:32:50.350 --> 00:32:51.700 align:middle line:90% for bringing this up today. 00:32:51.700 --> 00:32:53.770 align:middle line:84% I do hope you will join me in voting 00:32:53.770 --> 00:32:57.400 align:middle line:84% in favor of this very good consumer-friendly and consumer 00:32:57.400 --> 00:32:59.290 align:middle line:90% protection legislation. 00:32:59.290 --> 00:33:01.270 align:middle line:84% I think this is not just a win for us, 00:33:01.270 --> 00:33:03.620 align:middle line:84% it's a win for the Commonwealth of Massachusetts. 00:33:03.620 --> 00:33:06.474 align:middle line:90% So thank you so much. 00:33:06.474 --> 00:33:09.146 align:middle line:84% The chair recognized Mr. Hunt of Boston. 00:33:09.146 --> 00:33:14.010 align:middle line:90% 00:33:14.010 --> 00:33:15.710 align:middle line:84% Chair recognizes Mr. Hunt of Boston. 00:33:15.710 --> 00:33:28.470 align:middle line:90% 00:33:28.470 --> 00:33:31.570 align:middle line:84% Mr. Speaker, thank you for recognizing me. 00:33:31.570 --> 00:33:34.930 align:middle line:84% I had not prepared to speak on this matter today. 00:33:34.930 --> 00:33:36.660 align:middle line:84% But as the Vice Chair of the committee, 00:33:36.660 --> 00:33:40.230 align:middle line:84% I want to recognize the hard work of the gentlelady 00:33:40.230 --> 00:33:44.190 align:middle line:84% from Lunenburg in her drafting of this legislation, 00:33:44.190 --> 00:33:48.400 align:middle line:84% her hard work last session and the beginning of this session. 00:33:48.400 --> 00:33:51.210 align:middle line:84% The good gentleman from Quincy, parachuting in. 00:33:51.210 --> 00:33:55.980 align:middle line:84% I think we've all seen and come to recognize over 00:33:55.980 --> 00:33:59.280 align:middle line:84% the course of the previous months 00:33:59.280 --> 00:34:03.680 align:middle line:84% his knowledge of consumer protection issues. 00:34:03.680 --> 00:34:08.280 align:middle line:90% 93 A through G are extensive. 00:34:08.280 --> 00:34:11.400 align:middle line:84% So I want to thank him and the gentlelady for their work 00:34:11.400 --> 00:34:12.210 align:middle line:90% on this. 00:34:12.210 --> 00:34:14.070 align:middle line:84% It's a common sense bill that we can all 00:34:14.070 --> 00:34:17.489 align:middle line:84% take home to our districts, especially 00:34:17.489 --> 00:34:20.460 align:middle line:90% in this time of digital age. 00:34:20.460 --> 00:34:22.530 align:middle line:84% This commonsensical bill will have 00:34:22.530 --> 00:34:26.060 align:middle line:84% one year of credit monitoring and a free credit report. 00:34:26.060 --> 00:34:29.850 align:middle line:84% So congratulations to the chair, to the gentle lady, 00:34:29.850 --> 00:34:30.989 align:middle line:90% and to the staff. 00:34:30.989 --> 00:34:31.980 align:middle line:90% Thank you, Mr. Speaker. 00:34:31.980 --> 00:34:34.213 align:middle line:84% Question now is in passing the bill of being grossed. 00:34:34.213 --> 00:34:38.000 align:middle line:90% 00:34:38.000 --> 00:34:39.000 align:middle line:90% Chair recognizes Durant. 00:34:39.000 --> 00:35:08.720 align:middle line:90% 00:35:08.720 --> 00:35:10.310 align:middle line:90% Mr. Speaker, thank you. 00:35:10.310 --> 00:35:12.890 align:middle line:90% Through you to my colleagues. 00:35:12.890 --> 00:35:15.875 align:middle line:84% I want to also thank the gentlelady from Lunenburg, 00:35:15.875 --> 00:35:19.472 align:middle line:84% the chairman from Quincy, the vice chairman from Boston 00:35:19.472 --> 00:35:20.555 align:middle line:90% for bringing this forward. 00:35:20.555 --> 00:35:23.180 align:middle line:90% 00:35:23.180 --> 00:35:26.390 align:middle line:84% There were many breaches and many different times, 00:35:26.390 --> 00:35:28.100 align:middle line:84% but none bigger than the one that 00:35:28.100 --> 00:35:33.620 align:middle line:84% was involving Equifax when at least half 00:35:33.620 --> 00:35:36.860 align:middle line:84% of the people in the United States' records 00:35:36.860 --> 00:35:39.380 align:middle line:84% were breached by this hacker's attack. 00:35:39.380 --> 00:35:42.590 align:middle line:84% And yesterday we find out that the information 00:35:42.590 --> 00:35:44.390 align:middle line:84% that was breached is even broader 00:35:44.390 --> 00:35:47.460 align:middle line:90% than what was announced before. 00:35:47.460 --> 00:35:52.430 align:middle line:84% So I think that it is a good time for us to do this. 00:35:52.430 --> 00:35:54.920 align:middle line:84% And I wanted to bring up three points about this bill 00:35:54.920 --> 00:35:57.620 align:middle line:84% that I think you can take home to your districts 00:35:57.620 --> 00:36:02.420 align:middle line:84% and let people know that this is something that 00:36:02.420 --> 00:36:04.380 align:middle line:90% is going to matter to them. 00:36:04.380 --> 00:36:11.480 align:middle line:84% One is these fees for freezing and unfreezing your account 00:36:11.480 --> 00:36:16.220 align:middle line:84% are going to be eliminated with the passage of this bill. 00:36:16.220 --> 00:36:17.570 align:middle line:90% I've done that myself. 00:36:17.570 --> 00:36:22.580 align:middle line:84% It cost $5 for each of the credit unions, the credit 00:36:22.580 --> 00:36:24.770 align:middle line:90% bureaus, to do that. 00:36:24.770 --> 00:36:29.930 align:middle line:84% And so putting it on for $5 each on the major three credit 00:36:29.930 --> 00:36:33.620 align:middle line:84% bureaus and then taking it off, another $5, 00:36:33.620 --> 00:36:36.500 align:middle line:84% they're actually just benefiting from the fact 00:36:36.500 --> 00:36:40.490 align:middle line:84% that Equifax was unable to keep that information that they 00:36:40.490 --> 00:36:43.550 align:middle line:90% hold private. 00:36:43.550 --> 00:36:46.520 align:middle line:84% So not allowing them to charge for that makes a lot of sense. 00:36:46.520 --> 00:36:50.120 align:middle line:84% But there's one piece in here you may not have understood, 00:36:50.120 --> 00:36:55.760 align:middle line:84% and that is when you want to have a credit 00:36:55.760 --> 00:37:01.377 align:middle line:84% check for a new car, or you're buying a new house, 00:37:01.377 --> 00:37:02.960 align:middle line:84% you're applying for some sort of loan, 00:37:02.960 --> 00:37:05.390 align:middle line:84% and you do want that to happen, this bill 00:37:05.390 --> 00:37:08.990 align:middle line:84% says you can unfreeze the account, 00:37:08.990 --> 00:37:12.560 align:middle line:84% and they only have 15 minutes to get that done. 00:37:12.560 --> 00:37:14.840 align:middle line:84% So if you go down to the car dealer 00:37:14.840 --> 00:37:18.620 align:middle line:84% and forgot that you froze the account, and the guy 00:37:18.620 --> 00:37:20.690 align:middle line:84% from the back or the lady from the back who 00:37:20.690 --> 00:37:25.160 align:middle line:84% does all this paperwork says, we can't check your credit score, 00:37:25.160 --> 00:37:29.060 align:middle line:84% they will be able to do that in less than 15 minutes 00:37:29.060 --> 00:37:29.870 align:middle line:90% by this bill. 00:37:29.870 --> 00:37:31.470 align:middle line:90% That's important. 00:37:31.470 --> 00:37:34.370 align:middle line:84% Another thing, and the chairman mentioned this, the credit 00:37:34.370 --> 00:37:36.890 align:middle line:90% monitoring for a year. 00:37:36.890 --> 00:37:40.400 align:middle line:84% If your record is breached, which 00:37:40.400 --> 00:37:42.980 align:middle line:84% includes your social security number, 00:37:42.980 --> 00:37:47.840 align:middle line:84% is not just if the credit bureaus have the data breach. 00:37:47.840 --> 00:37:54.230 align:middle line:84% It's for any company, anybody that holds that information who 00:37:54.230 --> 00:37:58.100 align:middle line:84% is not able to keep it away from the hacker's hands, 00:37:58.100 --> 00:38:03.770 align:middle line:84% that company has to pay for this one year of credit monitoring. 00:38:03.770 --> 00:38:06.080 align:middle line:84% So it's not just Equifax that's doing 00:38:06.080 --> 00:38:09.170 align:middle line:84% that, it's anybody who hasn't taken 00:38:09.170 --> 00:38:14.090 align:middle line:84% the guard against that type of attack. 00:38:14.090 --> 00:38:19.970 align:middle line:84% And the last thing I'll mention is the one free annual credit 00:38:19.970 --> 00:38:26.660 align:middle line:84% report that you get under this bill is in addition to the one 00:38:26.660 --> 00:38:31.040 align:middle line:84% free credit report that you get under federal regulations, 00:38:31.040 --> 00:38:37.610 align:middle line:84% which means you can request twice a year, one under state 00:38:37.610 --> 00:38:41.120 align:middle line:84% law, one under federal law, to get your credit report. 00:38:41.120 --> 00:38:43.700 align:middle line:84% And I would recommend that you do that 00:38:43.700 --> 00:38:45.480 align:middle line:84% and stay close to that information. 00:38:45.480 --> 00:38:47.380 align:middle line:90% Thank you very much, speaker. 00:38:47.380 --> 00:38:51.432 align:middle line:84% I definitely rise in support of this bill. 00:38:51.432 --> 00:38:53.390 align:middle line:84% Question now is on passing of the bill of being 00:38:53.390 --> 00:38:56.480 align:middle line:84% gross pending, which Mr. Jones of North Reading 00:38:56.480 --> 00:38:57.320 align:middle line:90% offers an amendment. 00:38:57.320 --> 00:38:58.200 align:middle line:90% Hands of the clerk. 00:38:58.200 --> 00:39:01.200 align:middle line:90% Clerk will read the amendment. 00:39:01.200 --> 00:39:02.569 align:middle line:90% Amendment number two. 00:39:02.569 --> 00:39:04.860 align:middle line:84% Representative Jones of North Reading and other members 00:39:04.860 --> 00:39:07.510 align:middle line:84% of the House move to amend the bill in section 13 00:39:07.510 --> 00:39:09.880 align:middle line:84% by striking out lines 302 to 309, 00:39:09.880 --> 00:39:14.056 align:middle line:84% inclusive the third, fourth, and fifth sentences. 00:39:14.056 --> 00:39:15.430 align:middle line:84% Question now is on the amendment. 00:39:15.430 --> 00:39:16.596 align:middle line:90% All those in favor, say aye. 00:39:16.596 --> 00:39:17.790 align:middle line:90% All those opposed, nay. 00:39:17.790 --> 00:39:18.940 align:middle line:90% The nays have it. 00:39:18.940 --> 00:39:21.150 align:middle line:90% The amendment is not adopted. 00:39:21.150 --> 00:39:23.660 align:middle line:84% Mr. Chan of Quincy offers an amendment 00:39:23.660 --> 00:39:24.760 align:middle line:90% in the hands of the clerk. 00:39:24.760 --> 00:39:27.610 align:middle line:84% The clerk will read the amendment. 00:39:27.610 --> 00:39:29.269 align:middle line:90% House will be in a brief recess. 00:39:29.269 --> 00:39:39.249 align:middle line:90% 00:39:39.249 --> 00:39:42.243 align:middle line:90% [MUSIC PLAYING] 00:39:42.243 --> 00:39:58.740 align:middle line:90% 00:39:58.740 --> 00:40:00.425 align:middle line:84% Mr. Chan of Quincy offers an amendment 00:40:00.425 --> 00:40:01.330 align:middle line:90% in the hands of the clerk. 00:40:01.330 --> 00:40:02.648 align:middle line:90% Clerk will read the amendment. 00:40:02.648 --> 00:40:05.720 align:middle line:90% 00:40:05.720 --> 00:40:07.320 align:middle line:90% Amendment number three. 00:40:07.320 --> 00:40:09.220 align:middle line:84% Mr. Chan of Quincy moves to amend 00:40:09.220 --> 00:40:10.700 align:middle line:90% the bill in section three. 00:40:10.700 --> 00:40:13.810 align:middle line:84% A strike down on line 17 to 18 inclusive, 00:40:13.810 --> 00:40:16.280 align:middle line:84% and moves to further amend the bill in section 12 00:40:16.280 --> 00:40:18.660 align:middle line:84% by striking on line 180 the word 17 is 00:40:18.660 --> 00:40:21.825 align:middle line:90% certain place of the number 16. 00:40:21.825 --> 00:40:23.200 align:middle line:84% Question now is on the amendment. 00:40:23.200 --> 00:40:24.490 align:middle line:90% All those in favor say aye. 00:40:24.490 --> 00:40:25.480 align:middle line:90% All those opposed nay. 00:40:25.480 --> 00:40:25.980 align:middle line:90% The ayes. 00:40:25.980 --> 00:40:26.510 align:middle line:90% Have it. 00:40:26.510 --> 00:40:27.867 align:middle line:90% The amendment is adopted. 00:40:27.867 --> 00:40:29.200 align:middle line:90% House will be in a brief recess. 00:40:29.200 --> 00:40:37.136 align:middle line:90% 00:40:37.136 --> 00:40:40.112 align:middle line:90% [MUSIC PLAYING] 00:40:40.112 --> 00:40:51.302 align:middle line:90% 00:40:51.302 --> 00:40:52.260 align:middle line:90% House will be in order. 00:40:52.260 --> 00:40:55.802 align:middle line:84% Mr. Sanchez of Boston offers an order in the [AUDIO OUT]---- 00:40:55.802 --> 00:40:58.460 align:middle line:90% 00:40:58.460 --> 00:41:00.480 align:middle line:84% an amendment in the hands of the clerk. 00:41:00.480 --> 00:41:01.730 align:middle line:90% Clerk will read the amendment. 00:41:01.730 --> 00:41:03.490 align:middle line:90% Amendment number four. 00:41:03.490 --> 00:41:07.130 align:middle line:84% Mr. Sanchez of Boston moves to amend the bill by striking out 00:41:07.130 --> 00:41:10.120 align:middle line:84% section 12 in certain places in the following section, section 00:41:10.120 --> 00:41:10.980 align:middle line:90% 12. 00:41:10.980 --> 00:41:13.039 align:middle line:84% Said chapter, 93, is hereby further amended 00:41:13.039 --> 00:41:14.080 align:middle line:90% by inserting [INAUDIBLE]. 00:41:14.080 --> 00:41:15.340 align:middle line:84% If there be no objection, the clerk 00:41:15.340 --> 00:41:17.280 align:middle line:84% will dispense with the reading of the paper. 00:41:17.280 --> 00:41:18.100 align:middle line:90% Share objection? 00:41:18.100 --> 00:41:19.120 align:middle line:90% Share has none. 00:41:19.120 --> 00:41:21.410 align:middle line:84% Question now is on the technical amendment. 00:41:21.410 --> 00:41:22.850 align:middle line:90% All those in favor, say aye. 00:41:22.850 --> 00:41:23.766 align:middle line:90% All those opposed nay. 00:41:23.766 --> 00:41:24.620 align:middle line:90% The ayes have it. 00:41:24.620 --> 00:41:25.661 align:middle line:90% The amendment is adopted. 00:41:25.661 --> 00:41:40.704 align:middle line:90% 00:41:40.704 --> 00:41:41.995 align:middle line:90% Roll call haven't been ordered. 00:41:41.995 --> 00:41:43.660 align:middle line:84% The roll call machine is now open. 00:41:43.660 --> 00:41:45.430 align:middle line:84% It will remain open for three minutes. 00:41:45.430 --> 00:41:46.900 align:middle line:84% Court officers, summon the members. 00:41:46.900 --> 00:41:48.450 align:middle line:84% Indicate a roll call is in progress. 00:41:48.450 --> 00:41:56.890 align:middle line:90% 00:41:56.890 --> 00:41:59.800 align:middle line:90% Clerk will make an announcement. 00:41:59.800 --> 00:42:03.580 align:middle line:84% The voting stations for representatives Kafka, Kocot, 00:42:03.580 --> 00:42:05.098 align:middle line:90% and Chris Walsh are locked. 00:42:05.098 --> 00:42:41.960 align:middle line:90% 00:42:41.960 --> 00:42:45.340 align:middle line:90% Mr. Miceli of Wilmington. 00:42:45.340 --> 00:42:48.470 align:middle line:84% Court officers will vote for Mr. Miceli of Wilmington 00:42:48.470 --> 00:42:49.895 align:middle line:90% under Rule 49. 00:42:49.895 --> 00:43:19.154 align:middle line:90% 00:43:19.154 --> 00:43:21.562 align:middle line:90% [GAVEL POUNDING] 00:43:21.562 --> 00:43:23.270 align:middle line:84% Chairman would like to inform the members 00:43:23.270 --> 00:43:27.889 align:middle line:84% that it anticipates no further role calls this afternoon. 00:43:27.889 --> 00:45:51.979 align:middle line:90% 00:45:51.979 --> 00:45:53.770 align:middle line:84% Have all members voted who wished to do so? 00:45:53.770 --> 00:46:14.060 align:middle line:90% 00:46:14.060 --> 00:46:15.110 align:middle line:90% Have all members voted? 00:46:15.110 --> 00:46:45.860 align:middle line:90% 00:46:45.860 --> 00:46:48.170 align:middle line:90% Have all members voted? 00:46:48.170 --> 00:46:49.370 align:middle line:90% Time for voting expired. 00:46:49.370 --> 00:46:50.780 align:middle line:84% The clerk will display the tally. 00:46:50.780 --> 00:46:54.306 align:middle line:84% In this matter, 152 members voted in deferment of none 00:46:54.306 --> 00:46:55.190 align:middle line:90% in the negative. 00:46:55.190 --> 00:47:00.162 align:middle line:84% The bill is passed to be engrossed. 00:47:00.162 --> 00:47:02.910 align:middle line:84% The following gross bill, having been rightly and truly prepared 00:47:02.910 --> 00:47:06.200 align:middle line:84% is now before the House final passage. 00:47:06.200 --> 00:47:10.610 align:middle line:84% House 4031, an act designating a certain bridge 00:47:10.610 --> 00:47:14.017 align:middle line:84% in the city of Fall River as the Ronald Costa Bridge. 00:47:14.017 --> 00:47:16.100 align:middle line:84% Question now is on passing the bill to be enacted. 00:47:16.100 --> 00:47:17.585 align:middle line:90% All those in favor, say aye. 00:47:17.585 --> 00:47:19.010 align:middle line:90% All those opposed, nay. 00:47:19.010 --> 00:47:20.390 align:middle line:84% The bill is passed to be enacted. 00:47:20.390 --> 00:48:35.200 align:middle line:90% 00:48:35.200 --> 00:48:38.230 align:middle line:84% The chair has been informed that house 4228 has been released 00:48:38.230 --> 00:48:39.910 align:middle line:90% by the committee on bills. 00:48:39.910 --> 00:48:42.730 align:middle line:84% On third reading, Mr. Speliotis of Danvers 00:48:42.730 --> 00:48:44.020 align:middle line:90% moves suspension of the rules. 00:48:44.020 --> 00:48:45.580 align:middle line:90% All those in favor, say aye. 00:48:45.580 --> 00:48:46.630 align:middle line:90% All those opposed, nay. 00:48:46.630 --> 00:48:47.680 align:middle line:90% The ayes have it. 00:48:47.680 --> 00:48:48.610 align:middle line:90% Rules are suspended. 00:48:48.610 --> 00:48:49.693 align:middle line:90% Third reading of the bill. 00:48:49.693 --> 00:48:53.760 align:middle line:90% 00:48:53.760 --> 00:48:55.590 align:middle line:84% An act establishing a sick leave bank 00:48:55.590 --> 00:48:58.530 align:middle line:84% for Alyssa Nelson, an employee of the office for victim 00:48:58.530 --> 00:49:01.082 align:middle line:90% assistance, House number 4228. 00:49:01.082 --> 00:49:03.540 align:middle line:84% Question now is on passing the bill to being gross, pending 00:49:03.540 --> 00:49:05.795 align:middle line:84% which Mr. Speliotis of Danvers offers 00:49:05.795 --> 00:49:07.420 align:middle line:84% an amendment in the hands of the clerk. 00:49:07.420 --> 00:49:08.670 align:middle line:90% Clerk will read the amendment. 00:49:08.670 --> 00:49:11.130 align:middle line:84% Mr. Speliotis of Danvers moves to amend the bill 00:49:11.130 --> 00:49:13.606 align:middle line:84% by substitution of a bill with the same title. 00:49:13.606 --> 00:49:14.980 align:middle line:84% Question now is on the amendment. 00:49:14.980 --> 00:49:17.146 align:middle line:84% All those in favor, say aye, all those opposed, nay. 00:49:17.146 --> 00:49:18.220 align:middle line:90% The ayes have it. 00:49:18.220 --> 00:49:19.302 align:middle line:90% The amendment is adopted. 00:49:19.302 --> 00:49:20.760 align:middle line:84% Question now is on passing the bill 00:49:20.760 --> 00:49:22.329 align:middle line:90% to be engrossed as amended. 00:49:22.329 --> 00:49:24.495 align:middle line:84% All those in favor, say aye, all those opposed, nay. 00:49:24.495 --> 00:49:25.422 align:middle line:90% The ayes have it. 00:49:25.422 --> 00:49:27.130 align:middle line:84% Bill is passed to being gross as amended. 00:49:27.130 --> 00:49:35.490 align:middle line:90% 00:49:35.490 --> 00:49:37.357 align:middle line:84% Mr. DeLeo of Winthrop, offers an order 00:49:37.357 --> 00:49:38.440 align:middle line:90% in the hands of the clerk. 00:49:38.440 --> 00:49:41.312 align:middle line:90% Clerk will read the order. 00:49:41.312 --> 00:49:43.020 align:middle line:84% Order that when the House adjourns today, 00:49:43.020 --> 00:49:45.260 align:middle line:84% it will adjourn to meet tomorrow at 11 o'clock AM. 00:49:45.260 --> 00:49:46.968 align:middle line:84% Question now is on adoption of the order. 00:49:46.968 --> 00:49:49.462 align:middle line:84% Are all those in favor, say aye, all those opposed, nay. 00:49:49.462 --> 00:49:50.170 align:middle line:90% The ayes have it. 00:49:50.170 --> 00:49:51.045 align:middle line:90% The other is adopted. 00:49:51.045 --> 00:49:55.730 align:middle line:90% 00:49:55.730 --> 00:49:59.210 align:middle line:84% Mr. Smola of Warren now moves that the House stand adjourned. 00:49:59.210 --> 00:50:01.680 align:middle line:84% All those in favor, say aye, all those opposed, nay. 00:50:01.680 --> 00:50:02.620 align:middle line:90% The ayes have it. 00:50:02.620 --> 00:50:06.330 align:middle line:84% House stands adjourned to meet tomorrow, Thursday, 11 AM, in 00:50:06.330 --> 00:50:07.830 align:middle line:90% an informal session. 00:50:07.830 --> 00:50:11.430 align:middle line:90% 00:50:11.430 --> 00:50:14.480 align:middle line:90% [MUSIC PLAYING] 00:50:14.480 --> 00:52:58.411 align:middle line:90%