--- type: "Bill" title: "RELATING TO CONSUMER CREDIT REPORTING AGENCIES." description: "Requires a consumer credit reporting agency to create a record for protected consumers, including minors under the age of sixteen and incapacitated persons, who do not have an existing credit file. Permits a representative of a protected consumer to place a security freeze on the protected consumer's credit report or any record created for the protected consumer. Effective 1/1/2018. (SD1)" jurisdiction: "us/states/hi" legislature: "Hawaii Legislature" session: "2017 Regular Session" identifier: "HB 651" citation: "Hawaii HB 651 (2017 Regular Session)" classification: ["bill"] subjects: ["Consumer Credit Reporting Agencies", "Identity Theft", "Protected Consumer", "Security Freeze", "Credit Report", "Record"] status: "enacted" primary_sponsors: ["MCKELVEY"] version_count: 3 action_count: 36 vote_count: 3 first_action: "2017-01-20" last_action: "2017-07-07" source: "openstates" source_identifier: "ocd-bill/f830a2e0-c7a8-437f-90d4-9437ace8571a" source_url: "http://capitol.hawaii.gov/Archives/measure_indiv_Archives.aspx?billtype=HB&billnumber=651&year=2017" source_hash: "72e38d531f59b19736917d3c50d1c7ac13268b2d7303e0069d776338d6edea08" vintage: "2026-07-01" source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump" retrieved_at: "2026-07-06" confidence: "reported" tags: ["legislation", "bill", "us-hi"] --- # Hawaii HB 651 (2017 Regular Session) — RELATING TO CONSUMER CREDIT REPORTING AGENCIES. Requires a consumer credit reporting agency to create a record for protected consumers, including minors under the age of sixteen and incapacitated persons, who do not have an existing credit file. Permits a representative of a protected consumer to place a security freeze on the protected consumer's credit report or any record created for the protected consumer. Effective 1/1/2018. (SD1) ## Version chain The bill's text revisions, in order — the diff chain from filing to enrollment. 1. **HB651** (committee substitute) — [source](https://www.capitol.hawaii.gov/session2017/bills/HB651_.HTM) 2. **HB651_HD1** (committee substitute) — [source](https://www.capitol.hawaii.gov/session2017/bills/HB651_HD1_.HTM) 3. **HB651_HD2** (committee substitute) — [source](https://www.capitol.hawaii.gov/session2017/bills/HB651_HD2_.HTM) ## Votes - The committees on IAC recommend that the measure be PASSED, WITH AMENDMENTS. — **7–0** (pass) · legislature - The committees on CPC recommend that the measure be PASSED, WITH AMENDMENTS. — **7–0** (pass) · legislature - The committee(s) on CPH recommend(s) that the measure be PASSED, WITH AMENDMENTS. — **4–0** (pass) · legislature ## Sponsors - MCKELVEY — primary (person) ## Timeline The legislative action history — every referral, reading, and vote. - **2017-01-20** Pending introduction. - **2017-01-23** Pass First Reading `reading-1` - **2017-01-25** Referred to IAC, CPC, referral sheet 3 `referral-committee` - **2017-02-10** Bill scheduled to be heard by IAC on Wednesday, 02-15-17 9:00AM in House conference room 429. - **2017-02-15** The committees on IAC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 7 Ayes: Representative(s) Ohno, Choy, Cachola, Ito, Onishi, Woodson, Ward; Ayes with reservations: none; Noes: none; and 1 Excused: Representative(s) Tokioka. `committee-passage-favorable` - **2017-02-17** Reported from IAC (Stand. Com. Rep. No. 557) as amended in HD 1, recommending passage on Second Reading and referral to CPC. - **2017-02-17** Passed Second Reading as amended in HD 1 and referred to the committee(s) on CPC with none voting aye with reservations; none voting no (0) and Representative(s) DeCoite, Tokioka excused (2). `reading-2, referral-committee` - **2017-02-23** Bill scheduled to be heard by CPC on Tuesday, 02-28-17 2:00PM in House conference room 329. - **2017-02-28** The committees on CPC recommend that the measure be PASSED, WITH AMENDMENTS. The votes were as follows: 7 Ayes: Representative(s) McKelvey, Ito, Say, Takayama, Todd, Yamane, Fukumoto; Ayes with reservations: none; Noes: none; and 2 Excused: Representative(s) Ichiyama, Aquino. `committee-passage-favorable` - **2017-03-03** Reported from CPC (Stand. Com. Rep. No. 1062) as amended in HD 2, recommending passage on Third Reading. - **2017-03-03** Forty-eight (48) hours notice Tuesday, 03-07-17. - **2017-03-07** Passed Third Reading as amended in HD 2 with none voting aye with reservations; none voting no (0) and Representative(s) Ichiyama excused (1). Transmitted to Senate. `passage` - **2017-03-09** Received from House (Hse. Com. No. 282). `introduction` - **2017-03-09** Passed First Reading. `reading-1` - **2017-03-09** Referred to CPH. `referral-committee` - **2017-03-13** The committee(s) on CPH has scheduled a public hearing on 03-17-17 9:30AM in conference room 229. - **2017-03-17** The committee(s) on CPH deferred the measure until 03-24-17 10:00AM in conference room 229. - **2017-03-24** The committee(s) on CPH recommend(s) that the measure be PASSED, WITH AMENDMENTS. The votes in CPH were as follows: 4 Aye(s): Senator(s) Baker, Nishihara, S. Chang, Kidani; Aye(s) with reservations: none ; 0 No(es): none; and 3 Excused: Senator(s) Espero, Ihara, Ruderman. `committee-passage-favorable` - **2017-04-03** Reported from CPH (Stand. Com. Rep. No. 1277) with recommendation of passage on Second Reading, as amended (SD 1) and placement on the calendar for Third Reading. - **2017-04-03** Report adopted; Passed Second Reading, as amended (SD 1). - **2017-04-03** 48 Hrs. Notice 04-05-17. - **2017-04-05** Deferred One Day 04-06-17. - **2017-04-06** Passed Third Reading, as amended (SD 1). Ayes, 24; Aye(s) with reservations: none . Noes, 0 (none). Excused, 1 (Senator(s) English). Transmitted to House. `passage` - **2017-04-06** Returned from Senate (Sen. Com. No. 500) in amended form (SD 1). - **2017-04-07** House disagrees with Senate amendment (s). - **2017-04-11** Received notice of disagreement (Hse. Com. No. 545). - **2017-04-18** Senate Conferees Appointed: Baker Chair; S. Chang, Kidani. - **2017-04-18** Received notice of Senate conferees (Sen. Com. No. 680). - **2017-04-24** Reconsideration of action taken on 04-07-17. - **2017-04-25** Received notice of House reconsideration of action in disagreeing to the amendments proposed by the Senate (Hse. Com. No. 620). - **2017-04-25** House agrees to Senate amendment(s). - **2017-04-25** Passed Final Reading as amended in SD 1 with none voting aye with reservations; none voting no (0) and Representative(s) Har, McKelvey, Oshiro excused (3). - **2017-04-26** Received notice of House agreement and passage on Final Reading (Hse. Com. No. 624). - **2017-04-25** Transmitted to Governor. - **2017-07-07** Act 092, on 07/05/2017 (Gov. Msg. No. 1193). `executive-signature` - **2017-07-07** Act 092, 07/05/2017 (Gov. Msg. No. 1193). `executive-signature` ## Source OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/f830a2e0-c7a8-437f-90d4-9437ace8571a`. Confidence: reported (aggregated from official Hawaii legislature records).