,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #bgbb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #ah1 #bjac ,mr4 
,ellison 7= himself & ,mr4 ,r5acci7     
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,ways & ,means  ,a     
,,bill  ,to prohibit ! ,secret>y (      
,labor f en=c+ any requirem5t t consum] 
report+ ag5cies t s]ve only z a secure  
conduit to data f ,/ate unemploym5t     
comp5sation ag5cies obta9 & ma9ta9 an   
individual's in=m$ cons5t agreem5t :5   
v]ify+ income & employm5t ) su* ag5cies1
 & = o!r purposes4  #a4 ,%ort title ,?is
 ,act may be cit$ z ! ,ability to ,repay
 ,v]ification ,enabl+ ,act4  #b4 ,f9d+s 
,congress f9ds ! foll[+3  7#a7 ,economic
 gr[? requires access to af=dable cr$it 
:i* dep5ds on consum]s' ability to      
und]/& ! t]ms ( any loans !y make & !   
ability ( l5d]s to h an und]/&+ ( !     
consum]s' ability & will+ness to repay  
loans4  7#b7 ,new laws enact$ by        
,congress require l5d]s to asc]ta9      
borr[]s' will+ness & ability to repay   

prior to mak+ a loan4  7#c7 ,l5d]s &    
consum]s receive b5efits su* z quick]   
approval1 l[] int]e/ rates1 protection (
 privacy1 & /rong] anti-fraud           
protections f automatic und]writ+       
utiliz+ exi/+ databases4  7#d7 ,elev5   
,/ates 7,alabama1 ,cali=nia1 ,florida1  
,georgia1 ,indiana1 ,l\isiana1 ,miss\ri1
 ,new ,york1 ,ohio1 ,oregon1 & ,virg9ia7
 pass$ enabl+ legislation or rules      
enabl+ consum]s :o reque/ t ?ird p>ties 
us+ consum] report in=mation = purposes 
( eligibility det]m9ation h effici5t    
access to ?is in=mation f ! ,/ate's     
unemploym5t insurance database4  7#e7   
,fair ,cr$it ,report+ ,act requirem5ts  
already require ?ird p>ties us+ consum] 
report in=mation = purposes (           
eligibility det]m9ation to obta9 &      
ma9ta9 cons5t agreem5ts4  #c4           
,prohibition on requirem5t = onw>d      
transf] ( cons5t agreem5ts ,not)/&+ any 
o!r provision ( law1 ! ,secret>y (      
,labor may n--  7#a7 take any action to 
implem5t or en=ce ! requirem5t describ$ 

9 ! ,unemploym5t ,insurance ,program    
,lett] ,no4 #ai-ab1 dat$ ,may #bc1      
#bjab1 t a ?ird-p>ty consum] report+    
ag5cy t s]ves only z a secure conduit to
 data f ,/ate unemploym5t comp5sation   
ag5cies & t is n an ag5t ( an individual
 obta9 & ma9ta9 an in=m$ cons5t agreem5t
 f su* individual if ! ?ird-p>ty consum]
 report+ ag5cy seeks to obta9           
confid5tial unemploym5t comp5sation     
in=mation ) respect to su* individual f 
a ,/ate2 or  7#b7 issue1 implem5t1      
adm9i/]1 or en=ce any rule or o!r       
guidance t is ! same z1 or simil> 9     
effect to1 ! requirem5t describ$ 9      
p>agraph 7#a74