,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #dfgb  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,may #ai1 #bjad ,ms4  
,l9da ,t4 ,sn*ez ( ,cali=nia 7= h]self &
 ,mr4 ,lamborn7 introduc$ ! foll[+ bill2
 :i* 0 ref]r$ to ! ,committee on        
,f9ancial ,s]vices  ,a ,,bill  ,to am5d 
! ,fair ,cr$it ,report+ ,act to provide 
protections = active duty milit>y       
consum]s1 & = o!r purposes4  #a4 ,notice
 ( /atus z an active duty milit>y       
consum] ,! ,fair ,cr$it ,report+ ,act   
7#ae ,u4,s4,c4 #afha et seq47 is am5d$--
  7#a7 9 section #fje1 by add+ at ! end 
! foll[+3  7i7 ,notice ( /atus z an     
active duty milit>y consum] ,) respect  
to an item ( adv]se in=mation ab\t a    
consum]1 if ! action or inaction t gave 
rise to ! item occurr$ :ile ! consum] 0 
an active duty milit>y consum]1 !       
consum] may provide appropriate pro(1   
includ+ (ficial ord]s1 to a consum]     
report+ ag5cy t ! consum] 0 an active   
duty milit>y consum] at ! "t su* action 
or inaction occurr$1 & any consum]      

report provid$ by ! consum] report+     
ag5cy t includes su* item ( in=mation   
%all cle>ly & conspicu\sly disclose t ! 
consum] 0 an active duty milit>y consum]
 :5 ! action or inaction t gave rise to 
! item occurr$4  2  7#b7 9 section      
#fje;,a7c7--  7,a7 by /rik+ ,^u & ins]t+
 ! foll[+3  7#a7 ,9 g5]al ,^u  2  7,b7  
by r$esignat+ p>agraphs 7#a71 7#b71 &   
7#c7 z subp>agraphs 7,a71 7,b71 & 7,c71 
& mov+ su* r$esignat$ subp>agraphs #b   
ems to ! "r2 &  7,c7 by add+ at ! end ! 
foll[+3  7#b7 ,negative in=mation al]t  
,any "t a consum] report+ ag5cy receives
 an item ( adv]se in=mation ab\t a      
consum]1 if ! consum] has provid$       
appropriate pro( t ! consum] is an      
active duty milit>y consum]1 ! consum]  
report+ ag5cy %all promptly notify !    
consum]--  7,a7 t ! ag5cy has receiv$   
su* item ( adv]se in=mation1 along ) a  
description ( ! item2 &  7,b7 ! me?od by
 :i* ! consum] c dispute ! validity ( ! 
item4  7#c7 ,contact in=mation = active 
duty milit>y consum]s ,) respect to any 

consum] t has provid$ appropriate pro(  
to a consum] report+ ag5cy t ! consum]  
is an active duty milit>y consum]1 if ! 
consum] provides ! consum] report+ ag5cy
 ) sep>ate contact in=mation to be us$  
:5 communicat+ ) ! consum] :ile !       
consum] is an active duty milit>y       
consum]1 ! consum] report+ ag5cy %all   
use su* contact in=mation = all         
communications :ile ! consum] is an     
active duty milit>y consum]4  7#d7 ,s5se
 ( ,congress ,x is ! s5se ( ,congress t 
any p]son mak+ use ( a consum] report   
conta9+ an item ( adv]se in=mation %\ld1
 if ! action or inaction t gave rise to 
! item occurr$ :ile ! consum] 0 an      
active duty milit>y consum]1 take su*   
fact into acc\nt :5 evaluat+ !          
cr$itwor?9ess ( ! consum]4  2 &  7#c7 9 
section #faa7;a77#a71 by add+ at ! end !
 foll[+3  7,d7 ,notice ( dispute relat$ 
to active duty milit>y consum]s ,)      
respect to any item ( in=mation describ$
 "u subp>agraph 7,a7 t is "u dispute1 if
 ! consum] has notifi$ ! consum] report+

 ag5cy1 & provid$ appropriate pro(1 t ! 
consum] 0 an active duty milit>y consum]
 at ! "t ! action or inaction t gave    
rise to ! disput$ item occurr$1 !       
consum] report+ ag5cy %all include su*  
fact 9 ! consum]'s file & %all indicate 
t fact 9 ea* consum] report t includes !
 disput$ item4  4