The N.C. Attorney General's Office is applauding several laws that got approval recently from the General Assembly.
What do you think of these initiatives? Are they a steps in the right direction? Go too far? or not far enough?
Are there other crime prevention or consumer protection issues that you feel state lawmakers should tackle?
From a Friday news release:
Raleigh: The General Assembly agreed this session to important initiatives that will save homeowners and neighborhoods from foreclosure, protect consumers from identity theft, and give people better access to their government, Attorney General Roy Cooper said today.
“In these tough economic times it’s more important than ever to keep up our fight against crimes and scams,” Cooper said. “We fought successfully to preserve our core law enforcement mission in the face of serious budget cuts and we also won more protections for struggling consumers.”
New laws championed by Cooper that won approval during the recent legislative session will:
* Help consumers facing home foreclosures and unfair debt collections
Cooper pushed for the Consumer Economic Protection Act, Senate Bill 974, to help consumers who are facing difficult economic times. The measure fights unnecessary foreclosures and preserves communities and property values by ensuring that consumers and their mortgage lenders have the chance to voluntarily resolve foreclosures. The new law also protects North Carolina consumers from unfair debt collection practices by debt buyers, a new breed of aggressive debt collectors that pursue old debts even if they’ve already been settled or paid.
* Give NC consumers more protections against identity theft, including free security freezes
A security freeze prevents an identity thief from opening new accounts or taking out credit in your name. Starting October 1, North Carolina consumers can place a security freeze on their credit reports for free under Senate Bill 1017. Cooper pushed for the change so that more North Caronia consumers can use this tool to protect themselves from identity theft.
Senate Bill 1017 also makes North Carolina the first state in the nation to require credit monitoring services to tell consumers how they can get credit reports for free by visiting www.annualcreditreport.com or calling 1-877-322-8228. In addition, the new law allows Registers of Deeds and Clerks of Court to remove consumers’ Social Security numbers from their websites, prevents creditors from reporting victims’ debts caused by criminals to national credit bureaus, and requires businesses and state and local government agencies to report all security breaches to Cooper’s office, not just those that impact 1,000 people or more.
* Make public information about patient deaths at state hospitals
Cooper called for a new law to require disclosure of patient deaths and other incidents at state mental health facilities. Senate Bill 799 will also apply to state facilities that treat people for developmental disabilities and substance abuse. Cooper backed the measure because he believes better disclosure will help ensure patients’ safety. Cooper’s Medicaid Investigations Unit is currently investigating and prosecuting a number of incidents of patient abuse at state facilities.
* Create an Open Government Unit in the AG’s Office to resolve public records disputes
Under House Bill 1134, Cooper will start an Open Government Unit in his office to mediate public records and open meetings issues so that disputes can be resolved without costly court battles. The Unit will also develop programs to educate the public and government agencies about public records and open meetings laws and make state laws, opinions and other rules on public records and open government available to the public. Cooper and the N.C. Press Association have previously teamed up to publish a Guide to Open Government, available at www.ncdoj.gov.
* Establish a Financial Literacy Council to help NC students learn financial smarts
Cooper backed Senate Bill 1019 to help North Carolina students learn how to manage money and make smart financial decisions. The measure establishes a North Carolina Financial Literacy Council in Cooper’s Department of Justice. The 18-member Council will include representatives from government, private finance, and consumer groups who will work to identify best practices in financial education programs, coordinate existing programs, and propose policy for financial education in K-12 classes, community colleges and universities.