republic-os/legislation/us/states/ca/20152016/ab-2416.md

---
type: "Bill"
title: "Escrow agent rating service."
description: "Existing law, the Consumer Credit Reporting Agencies Act, requires every consumer credit reporting agency, upon request and proper identification of any consumer, to allow the consumer to visually inspect all files maintained regarding that consumer at the time of the request. Existing law requires every consumer reporting agency to advise the consumer of the agency's obligation to provide a decoded written version of the file. Existing law grants the consumer the right to request and receive a decoded written version of the file. Existing law requires a consumer credit reporting agency to disclose the recipients of any consumer credit report on the consumer which the consumer credit reporting agency has furnished, as specified."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20152016"
identifier: "AB 2416"
citation: "California AB 2416 (20152016)"
classification: ["bill"]
subjects: ["Escrow agent rating service."]
status: "enacted"
primary_sponsors: ["Wilk"]
version_count: 5
action_count: 17
vote_count: 5
first_action: "2016-02-19"
last_action: "2016-08-17"
source: "openstates"
source_identifier: "ocd-bill/450c5b9a-52d2-429a-955a-5cfe71a87ff4"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201520160AB2416"
source_hash: "7de928c7b7a6572f032d0195f05723775c6bfd2709bd6740b06d4345f89a3257"
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-ca"]
---

# California AB 2416 (20152016) — Escrow agent rating service.

Existing law, the Consumer Credit Reporting Agencies Act, requires every consumer credit reporting agency, upon request and proper identification of any consumer, to allow the consumer to visually inspect all files maintained regarding that consumer at the time of the request. Existing law requires every consumer reporting agency to advise the consumer of the agency's obligation to provide a decoded written version of the file. Existing law grants the consumer the right to request and receive a decoded written version of the file. Existing law requires a consumer credit reporting agency to disclose the recipients of any consumer credit report on the consumer which the consumer credit reporting agency has furnished, as specified.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **02/19/16 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201520160AB2416&version=20150AB241699INT)
2. **06/21/16 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201520160AB2416&version=20150AB241698AMD)
3. **08/17/16 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201520160AB2416&version=20150AB241696CHP)
4. **AB2416** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201520160AB2416)
5. **08/02/16 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201520160AB2416&version=20150AB241697ENR)

## Votes

- Do pass. To Consent Calendar. — **12–0** (pass) · lower
- Consent Calendar 2nd — **37–0** (pass) · upper
- AB 2416 WILK Consent Calendar Second Day — **76–0** (pass) · lower
- AB 2416 WILK Concurrence in Senate Amendments — **76–0** (pass) · lower
- Do pass as amended, and be ordered to the Consent Calendar — **7–0** (pass) · upper

## Sponsors

- Wilk — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2016-02-19** Introduced. To print. `introduction`
- **2016-02-21** From printer. May be heard in committee March 22.
- **2016-02-22** Read first time. `reading-1`
- **2016-03-08** Referred to Com. on B. & F. `referral-committee`
- **2016-04-26** From committee: Do pass. To Consent Calendar. (Ayes 12. Noes 0.) (April 25). `committee-passage-favorable, committee-passage`
- **2016-04-27** Read second time. Ordered to Consent Calendar. `reading-2, reading-1`
- **2016-05-02** Read third time. Passed. Ordered to the Senate. (Ayes 76. Noes 0. Page 4626.) `reading-3, passage, reading-1`
- **2016-05-02** In Senate. Read first time. To Com. on RLS. for assignment. `reading-1`
- **2016-05-12** Referred to Com. on JUD. `referral-committee`
- **2016-06-20** From committee: Amend, and do pass as amended. To Consent Calendar. (Ayes 7. Noes 0.) (June 14). `amendment-introduction, committee-passage, amendment-passage`
- **2016-06-21** Read second time and amended. Ordered to consent calendar. `amendment-passage, reading-2, reading-1`
- **2016-06-30** Read third time. Passed. Ordered to the Assembly. (Ayes 37. Noes 0. Page 4646.). `reading-3, passage, reading-1`
- **2016-06-30** In Assembly. Concurrence in Senate amendments pending. May be considered on or after July 29 pursuant to Assembly Rule 77.
- **2016-08-01** Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 76. Noes 0. Page 5639.). `committee-passage-favorable, amendment-passage`
- **2016-08-05** Enrolled and presented to the Governor at 2:30 p.m.
- **2016-08-17** Approved by the Governor. `executive-signature`
- **2016-08-17** Chaptered by Secretary of State - Chapter 135, Statutes of 2016.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/450c5b9a-52d2-429a-955a-5cfe71a87ff4`. Confidence: reported (aggregated from official California legislature records).