,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #ajjb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,m>* #f1 #bjac ,mr4   
,coh5 7= himself1 ,ms4 ,norton1 ,mr4    
,sires1 ,ms4 ,kaptur1 ,mr4 ,cony]s1 ,mr4
 ,grijalva1 ,mr4 ,clay1 & ,ms4 ,wilson (
 ,florida7 introduc$ ! foll[+ bill2 :i* 
0 ref]r$ to ! ,committee on ,f9ancial   
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to require !       
inclusion ( cr$it scores ) free annual  
cr$it reports provid$ to consum]s1 & =  
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,fair ,access to ,cr$it
 ,scores ,act ( #bjac4  #b4 ,cr$it      
scores includ$ 9 free annual disclosures
  7a7 ,9 g5]al ,section #fji ( ! ,fair  
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;g7 is am5d$--  7#a7 9 subsection  
7a77#a7--  7,a7 by /rik+ & at ! end &   
ins]t+ a p]iod2  7,b7 by /rik+ except   
t-- & all t foll[s ?r\gh 7,a7 if ! &    
ins]t+ except t1 if !2 &  7,c7 by /rik+ 
subp>agraph 7,b72  7#b7 9 subsection    
7a71 by add+ at ! end ! foll[+3  7#g7   

,all consum] report+ ag5cies describ$ 9 
section #fjc7p7 %all disclose a curr5t  
cr$it score g5]at$ us+ ! scor+ algori?m1
 =mula1 model1 program or me*anism t is 
mo/ frequ5tly us$ to g5]ate scores sold 
to cr$itors1 subject to regulations ( ! 
,bureau1 along ) any in=mation 9 !      
consum]'s file at ! "t ( ! reque/       
conc]n+ cr$it scores or any o!r risk    
scores or pr$ictors relat+ to ! consum]1
 if su* reque/ is made 9 connection ) a 
free annual disclosure made pursuant to 
section #fab7;a74  7#h7 ,su* o!r consum]
 in=mation z ! ,bureau consid]s         
appropriate ) respect to consum]        
f9ancial education1 includ+ ! in=mation 
requir$ by subsection 7f77#a71 in=mation
 on :]e ! cr$it score ( ! consum] falls 
) respect to a range ( possible cr$it   
scores1 & ! g5]al factors contribut+ to 
! cr$it scores ( consum]s4  2 &  7#c7 9 
subsection 7f7--  7,a7 by /rik+ ,^u !   
reque/ & all t foll[s ?r\gh subp>agraph 
7,a7 & ins]t+ ! foll[+3  7#a7 ,9 g5]al  
,^u reque/ ( a consum] = a cr$it score  

or a risk score1 a consum] report+ ag5cy
 %all supply to ! consum]--  7,a7 any   
cr$it score or risk score 9 ! file ( !  
consum] at ! consum] report+ ag5cy2  2  
7,b7 9 p>agraph 7#b7--  7i7 by          
r$esignat+ subp>agraph 7,b7 z           
subp>agraph 7,c72 &  7ii7 by /rik+      
subp>agraph 7,a7 & ins]t+ ! foll[+3     
7,a7 ,cr$it score ,! t]m cr$it score    
means a num]ical value or a             
categorization d]iv$ f a /ati/ical tool 
or model+ sy/em us$ by a p]son :o makes 
or arranges a loan to pr$ict !          
likelihood ( c]ta9 cr$it behaviors1     
includ+ default4  7,b7 ,risk score ,!   
t]m risk score means a num]ical value or
 a categorization d]iv$ f a /ati/ical   
tool or model+ sy/em bas$ ^u in=mation f
 a consum] report = ! purpose ( pr$ict+ 
! likelihood ( c]ta9 behaviors or       
outcomes1 & includes scores us$ = !     
und]writ+ ( insurance4  2  7,c7 by /rik+
 p>agraph 7#f7 & ins]t+ ! foll[+3  7#f7 
,ma9t5ance ( cr$it scores ,all consum]  
report+ ag5cies %all ma9ta9 9 !         

consum]'s file cr$it scores or any o!r  
risk scores or pr$ictors relat+ to !    
consum] = a p]iod ( no less ?an #a ye> f
 ! date on :i* su* in=mation is g5]at$4 
2  7,d7 by /rik+ p>agraph 7#g72 &  7,e7 
9 p>agraph 7#h71 by ins]t+ be=e ! p]iod 
at ! end ! foll[+3 1 except t a consum] 
report+ ag5cy describ$ 9 section #fjc7p7
 %all provide a cr$it score )\t *>ge to 
! consum] if ! consum] is reque/+ !     
score 9 connection ) a free annual      
disclosure made pursuant to section     
#fab7;a74  7b7 ,inclusion 9 free reports
 ,section #fab ( ! ,fair ,cr$it ,report+
 ,act 7#ae ,u4,s4,c4 #afha;j7 is am5d$--
  7#a7 9 subsection 7a77#a77;,a71 by    
/rik+ 7w7 & ins]t+ 7x72 &  7#b7 9       
subsection 7g7--  7,a7 9 p>agraph 7#a7--
  7i7 by /rik+ free cr$it report &      
ins]t+ free or l[ co/ cr$it report or   
cr$it score2 &  7ii7 by ins]t+ & free   
cr$it scores aft] free cr$it reports2 & 
7,b7 9 p>agraph 7#b7--  7i7 by /rik+    
televison & ins]t+ television2 &  7ii7  
by ins]t+ or free cr$it score1 z        

applicable1 aft] free cr$it report4  7c7
 ,te*nical corrections ,! ,fair ,cr$it  
,report+ ,act 7#ae ,u4,s4,c4 #afha;a et 
seq47 is am5d$--  7#a7 9 section        
#fjc7;d77#b77;,d7 7#ae ,u4,s4,c4        
#afha;a7d77#b77;,d771 by /rik+          
subsection 7o7 or 7x7 & ins]t+ )        
subsection 7o7 or 7y72  7#b7 9 section  
#fjc7;i77#a77;,c7 7#ae ,u4,s4,c4        
#afha;a7i77#a77;,c771 by /rik+ ! p]iod  
at ! end & ins]t+ 2 &2  7#c7 9 section  
#fji7;c77#a7 7#ae ,u4,s4,c4             
#afha;g7c77#a77--  7,a7 9 ! p>agraph    
head+1 by /rik+ ,commission & ins]t+    
,bureau2  7,b7 9 subp>agraph 7,a71 by   
/rik+ ,commission & ins]t+ ,bureau2     
7,c7 9 subp>agraph 7,b77vi71 by /rik+   
section #fjc7w7 & ins]t+ section        
#fjc7x72 &  7,d7 9 subp>agraph 7,c71 by 
/rik+ ,commission & ins]t+ ,bureau2 &   
7#d7 9 section #fab7;a77#a7 7#ae        
,u4,s4,c4 #afha;j7a77#a77--  7,a7 9     
subp>agraph 7,a71 by /rik+ subsections  
7p7 & 7w7 & ins]t+ subsections 7p7 &    
7x72  7,b7 9 subp>agraph 7,c77i7--  7i7 

by /rik+ ,commission & ins]t+ ,bureau2 &
  7ii7 by /rik+ section #fjc7w7 & ins]t+
 section #fjc7x72  7,c7 9 subp>agraph   
7,c77iii71 by /rik+ ,commission & ins]t+
 ,bureau2 &  7,d7 9 subp>agraph         
7,c77iv71 by /rik+ section #fjc7w7 &    
ins]t+ section #fjc7x74  #c4 ,rulemak+  
,n lat] ?an #ahj days aft] ! date (     
enactm5t ( ?is ,act1 ! ,bureau (        
,consum] ,f9ancial ,protection %all     
develop regulations e/abli%+ a m&atory  
disclosure =mat = consum] file          
disclosures pursuant to section         
#fab7;a77#a77;,b7 ( ! ,fair ,cr$it      
,report+ ,act 7#ae ,u4,s4,c4            
#afha;j7a77#a77;,b774  #d4 ,te*nical    
correction ,section #fae7;h77#h77;,a7 ( 
! ,fair ,cr$it ,report+ ,act 7#ae       
,u4,s4,c4 #afham7h77#h77;,a77 is am5d$  
by /rik+ ?is section & ins]t+ ?is       
subsection4