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republic-os/legislation/us/states/hi/2017-regular-session/hb-651.md
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Fabio a43f31b272 Legislation: batch A — AK AL AR AZ CO CT DE GA HI IA ID 
Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
2026-07-06 17:26:56 -04:00

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---
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).
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