republic-os/legislation/us/states/ca/20132014/ab-1220.md

---
type: "Bill"
title: "Consumer credit reporting: adverse action."
description: "Existing law requires a 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 additionally grants a consumer the right to request and receive a written copy of the file. Existing federal law prohibits a consumer credit reporting agency from prohibiting a user of a consumer credit report furnished by the agency from disclosing the contents of the report to the consumer if adverse action has been taken against the consumer by the user based on the report."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20132014"
identifier: "AB 1220"
citation: "California AB 1220 (20132014)"
classification: ["bill"]
subjects: ["Consumer credit reporting: adverse action."]
status: "enacted"
primary_sponsors: ["Skinner"]
version_count: 8
action_count: 25
vote_count: 5
first_action: "2013-02-22"
last_action: "2013-09-30"
source: "openstates"
source_identifier: "ocd-bill/96c28b7d-a07c-41c4-b323-6c1d7550363f"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140AB1220"
source_hash: "5cd1b4dc3c0a647ffeba2f9c058a81e6c7d427687d9c75a3365ea5c5fab8986e"
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 1220 (20132014) — Consumer credit reporting: adverse action.

Existing law requires a 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 additionally grants a consumer the right to request and receive a written copy of the file. Existing federal law prohibits a consumer credit reporting agency from prohibiting a user of a consumer credit report furnished by the agency from disclosing the contents of the report to the consumer if adverse action has been taken against the consumer by the user based on the report.

## Version chain

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

1. **02/22/13 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB1220&version=20130AB122099INT)
2. **03/21/13 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB1220&version=20130AB122098AMD)
3. **04/22/13 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB1220&version=20130AB122097AMD)
4. **05/06/13 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB1220&version=20130AB122096AMD)
5. **05/20/13 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB1220&version=20130AB122095AMD)
6. **09/30/13 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB1220&version=20130AB122093CHP)
7. **AB1220** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201320140AB1220)
8. **09/18/13 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201320140AB1220&version=20130AB122094ENR)

## Votes

- AB 1220 SKINNER Assembly Third Reading — **55–21** (pass) · lower
- 3rd Reading AB1220 Skinner By Roth — **32–6** (pass) · upper
- Do pass, but re-refer to the Committee on Appropriations. — **5–1** (pass) · upper
- Do pass as amended. — **12–0** (pass) · lower
- Do pass as amended and be re-referred to the Committee on Appropriations. — **7–2** (pass) · lower

## Sponsors

- Skinner — primary (person)

## Timeline

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

- **2013-02-22** Introduced. To print. `introduction`
- **2013-02-24** From printer. May be heard in committee March 26.
- **2013-02-25** Read first time. `reading-1`
- **2013-03-21** Referred to Com. on B. & F. `referral-committee`
- **2013-03-21** From committee chair, with author's amendments: Amend, and re-refer to Com. on B. & F. Read second time and amended. `amendment-introduction, amendment-passage, reading-2, reading-1`
- **2013-04-01** Re-referred to Com. on B. & F. `referral-committee`
- **2013-04-22** From committee chair, with author's amendments: Amend, and re-refer to Com. on B. & F. Read second time and amended. `amendment-introduction, amendment-passage, reading-2, reading-1`
- **2013-04-23** Re-referred to Com. on B. & F. `referral-committee`
- **2013-05-02** From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 7. Noes 2.) (April 29). `committee-passage-favorable, committee-passage, amendment-passage`
- **2013-05-06** Read second time and amended. `reading-2, reading-1, amendment-passage`
- **2013-05-07** Re-referred to Com. on APPR. `referral-committee`
- **2013-05-16** From committee: Do pass as amended. (Ayes 12. Noes 0.) (May 15). `committee-passage-favorable, committee-passage, amendment-passage`
- **2013-05-20** Read second time and amended. Ordered to second reading. `reading-2, reading-1, amendment-passage`
- **2013-05-21** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2013-05-28** Read third time. Passed. Ordered to the Senate. (Ayes 55. Noes 21. Page 1655.) `reading-3, reading-1, passage`
- **2013-05-28** In Senate. Read first time. To Com. on RLS. for assignment. `reading-1`
- **2013-06-06** Referred to Com. on JUD. `referral-committee`
- **2013-06-18** From committee: Do pass and re-refer to Com. on APPR. (Ayes 5. Noes 1.) (June 18). Re-referred to Com. on APPR. `committee-passage-favorable, referral-committee, committee-passage`
- **2013-07-01** From committee: Be placed on second reading file pursuant to Senate Rule 28.8. `committee-passage`
- **2013-07-02** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2013-09-11** Read third time. Passed. Ordered to the Assembly. (Ayes 32. Noes 6. Page 1220.). `reading-3, reading-1, passage`
- **2013-09-11** In Assembly. Ordered to Engrossing and Enrolling. `committee-passage`
- **2013-09-26** Enrolled and presented to the Governor at 4:30 p.m.
- **2013-09-30** Approved by the Governor. `executive-signature`
- **2013-09-30** Chaptered by Secretary of State - Chapter 433, Statutes of 2013.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/96c28b7d-a07c-41c4-b323-6c1d7550363f`. Confidence: reported (aggregated from official California legislature records).