New laws to take effect July 1 - WTVM.com-Columbus, GA News Weather & Sports

New laws to take effect July 1

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(WTVM) – Several new laws will take effect nationally and locally.  The following are links that News Leader 9 compiled, we will update this page with more laws as the information becomes available.  

Georgia

New law prohibits texting and driving -  
Gov. Sonny Perdue signed into law a ban on text messaging while driving as well as a ban on cell phone use by drivers under 18. The bans take effect July 1. Violators face fine of $150 

Make sure to buckle up when driving a pickup - Senate Bill 458 takes effect July 1st.  The old Georgia law said anyone over 18 in a pickup truck did not have to wear seat belts, but the new law you need to buckle up. 

View all new Georgia laws:

House and Senate bills to take effect July 1




Alabama

State bans Salvia and other products - What many call a legal high, will be legal no more. Starting July 1st, the ban goes into effect on products like Salvia, K2, and Serenity Now.



United States

New coverage for uninsured people in poor health -- The Obama administration is launching a special coverage program for uninsured Americans with medical problems this week, the most ambitious early investment of President Barack Obama's health care overhaul. Read the text of the Senate bill and the changes passed by the House.

 
10% tanning tax to take effect July 1 - The Obama administration is turning up the heat on tanning salons across the country with the passage of its new health care bill. To help fund the $940 billion health care overhaul, a 10% tax on individuals receiving indoor tanning services was tacked on, and the initiative is expected to generate $2.7 billion over ten years.

Banking overdraft fees  - Complaints of excessive overdraft fees are increasingly common these days as more and more debt-ridden Americans substitute debit cards for credit cards in an attempt to restore financial discipline.  Of the more than 25% consumers who overdraw their bank accounts every year, many are surprised to learn that their banks automatically enrolled them in overdraft coverage when they opened their accounts. The banks cover consumers' shortfalls but the penalties they charge for doing so often far exceed the transactions. If consumers don't pay their banks back within a few days, they can incur more fees.  To better protect consumers, beginning this summer the Federal Reserve Board will prohibit banks from charging overdraft fees for debit card and ATM transactions unless their customers consent, or "opt in." Many consumers are expected to pass, choosing to have their transactions declined for no fee when they don't have enough money in the bank. The Federal Reserve's new rules do not apply to checks or automatic bill payments.

Changes to credit reporting take effect July 1  -  Everyone who has borrowed and repaid a loan, credit card account or other debt has a credit history. These credit histories are reported on credit reports, which are managed by the credit bureaus. For many reasons, it is important to monitor your credit report at least once per year to be sure it is accurate. If you find errors on your credit report, you have the right to dispute those errors, and a new set of rules impacting the way consumers file credit report disputes will go into effect July 1. The new rules, part of the Credit CARD Act of 2009, affect Section 312 of the FACT (Fair and Accurate Credit Transaction) Act. While they generally impact internal regulations and guidelines at financial companies that report information about borrowers to the credit bureau, here is what consumers need to know:

1) File a dispute letter with the credit reporting agencies
2) Dispute issues directly with creditors
3) Confirm whether the item stays or goes
4) Items might return if creditors provide evidence
5) File a complaint for serious violations
6) Check reports again each year


Additional links:
DBHDD to open provider enrollment nationally July 1st

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