# Tex. Business & Commerce Code § 20.03: DISCLOSURES TO CONSUMERS

> Texas · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.03

## Section

- **Citation:** Tex. Business & Commerce Code § 20.03
- **Heading:** DISCLOSURES TO CONSUMERS
- **Jurisdiction:** Texas
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** TX Code / Code bc / Chapter 20 / Section 20.03

## Text

(a) On request and proper identification provided by a consumer, a consumer reporting agency shall disclose to the consumer in writing all information pertaining to the consumer in the consumer reporting agency's files at the time of the request, including:

(1) the name of each person requesting credit information about the consumer during the preceding six months and the date of each request;

(2) a set of instructions describing how information is presented on the consumer reporting agency's written disclosure of the consumer file; and

(3) if the consumer reporting agency compiles and maintains files on a nationwide basis, 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 consumer reporting agency.

(b) The information must be disclosed in a clear, accurate manner that is understandable to a consumer.

(c) A consumer reporting agency shall provide a copy of the consumer's file to the consumer on the request of the consumer and on evidence of proper identification, as directed by the Fair Credit Reporting Act (15 U.S.C. Section 1681 et seq.), as amended, and regulations adopted under that Act.

(d) Any written disclosure to a consumer by a consumer reporting agency under this chapter must include a written statement that explains in clear and simple language the consumer's rights under this chapter and includes:

(1) the process for receiving a consumer report or consumer file;

(2) the process for requesting or removing a security alert or freeze;

(3) the toll-free telephone number for requesting a security alert;

(4) applicable fees;

(5) dispute procedures;

(6) the process for correcting a consumer file or report; and

(7) information on a consumer's right to bring an action in court or arbitrate a dispute.

## Nearby sections

- [Tex. Business & Commerce Code § 20.01 § 20.01. DEFINITIONS.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.01.md)
- [Tex. Business & Commerce Code § 20.02 § 20.02. PERMISSIBLE PURPOSES; PROHIBITION; USE OF CONSUMER'S SOCIAL SECURITY NUMBER.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.02.md)
- [Tex. Business & Commerce Code § 20.03 § 20.03. DISCLOSURES TO CONSUMERS.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.03.md)
- [Tex. Business & Commerce Code § 20.04 § 20.04. CHARGES FOR CERTAIN DISCLOSURES OR SERVICES.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.04.md)
- [Tex. Business & Commerce Code § 20.05 § 20.05. REPORTING OF INFORMATION PROHIBITED.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.05.md)
- [Tex. Business & Commerce Code § 20.06 § 20.06. DISPUTE PROCEDURE.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.06.md)
- [Tex. Business & Commerce Code § 20.07 § 20.07. CORRECTION OF INACCURATE INFORMATION.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.07.md)
- [Tex. Business & Commerce Code § 20.08 § 20.08. CONSUMER'S RIGHT TO FILE ACTION IN COURT OR ARBITRATE DISPUTES.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.08.md)
- [Tex. Business & Commerce Code § 20.09 § 20.09. CIVIL LIABILITY.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.09.md)
- [Tex. Business & Commerce Code § 20.10 § 20.10. REMEDIES CUMULATIVE.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.10.md)
- [Tex. Business & Commerce Code § 20.11 § 20.11. INJUNCTIVE RELIEF; CIVIL PENALTY.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.11.md)
- [Tex. Business & Commerce Code § 20.12 § 20.12. DECEPTIVE TRADE PRACTICE.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.12.md)
- [Tex. Business & Commerce Code § 20.13 § 20.13. VENUE.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.13.md)
- [Tex. Business & Commerce Code § 20.21 § 20.21. DEFINITIONS.](https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.21.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_TX_Cbc_C20_S20.03. Check the current official text before relying on it. Not legal advice.