,i  #aacth ,,congress  #b;d ,session    
,h4 ,r4 #ehdc  ,,in ,,the ,,house ,,of  
,,representatives  ,december #aj1 #bjad 
,mr4 ,langevin 7for himself1 ,ms4 ,clark
 of ,massachusetts1 and ,ms4            
,shea-,porter7 introduced the following 
bill2 which was referred to the         
,committee on ,financial ,services  ,a  
,,bill  ,to amend the ,fair ,credit     
,reporting ,act to create protected     
credit reports for minors and protect   
the credit of minors1 and for other     
purposes4  #a4 ,protections for credit  
reports of minors  7a7 ,in general ,the 
,fair ,credit ,reporting ,act 7#ae      
,u4,s4,c4 #afha et seq47 is amended by  
inserting after section #fje;,b the     
following new section3  #fje;,c4        
,additional protections for credit      
reports of minor consumers  7a7 ,in     
general ,a consumer reporting agency    
described in section #fjc7p7 shall1 upon
 request by a covered guardian of a     
minor consumer1 create a blocked file   
for the minor consumer or convert a file

 of the minor consumer already in       
existence to a blocked file4  7b7       
,requirements ,the ,bureau1 by rule1    
shall establish procedures--  7#a7 for a
 consumer reporting agency described in 
section #fjc7p7 to properly identify the
 covered guardian and the minor consumer
 prior to creating1 converting1 or      
unblocking a blocked file for such minor
 consumer2  7#b7 for such a consumer    
reporting agency to create a blocked    
file for a minor consumer or to convert 
a file of a minor consumer already in   
existence to a blocked file2 and  7#c7  
consistent with subsection 7c71 for a   
covered guardian to unblock a file4  7c7
 ,unblocking a file  7#a7 ,in general ,a
 consumer reporting agency described in 
section #fjc7p7 shall unblock a blocked 
file upon request by a covered guardian 
or on the date of the #ahth birthday of 
the minor consumer4  7#b7 ,alert        
statement ,an alert statement shall be  
included in a file unblocked pursuant to
 paragraph 7#a7 if the minor consumer   

was a victim of fraud or identity theft 
before the date of the #ahth birthday of
 the minor consumer as follows3  7,a7   
,for a file unblocked upon request by a 
covered guardian1 for a period of time  
beginning on the date such file is      
unblocked and ending on the date that is
 #a year after the date of the #ahth    
birthday of the minor consumer4  7,b7   
,for a file unblocked on the date of the
 #ahth birthday of the minor consumer1  
for a period of #a year after such date4
  7#c7 ,duty of reseller ,with respect  
to information concerning a consumer    
whose file contains an alert statement1 
a reseller shall include such alert     
statement when furnishing such          
information4  7d7 ,fees  7#a7 ,in       
general ,the ,bureau shall determine if 
a fee may be charged1 and the amount of 
the fee charged1 by a consumer reporting
 agency described in section #fjc7p7 to 
create1 convert1 or unblock a file4     
7#b7 ,fees prohibited ,a consumer       
reporting agency described in section   

#fjc7p7 may not charge a fee to a minor 
consumer who was a victim of fraud or   
identity theft prior to the date of the 
minor's #ahth birthday1 to create1      
convert1 or unblock a file4  7e7        
,exceptions ,no provision of this       
section shall be construed as requiring 
a consumer reporting agency described in
 section #fjc7p7 to prevent a ,federal1 
,state1 or local law enforcement agency 
from accessing a blocked file4  7f7     
,definitions ,in this section the       
following definitions shall apply3  7#a7
 ,alert statement ,the term alert       
statement means a statement that--  7,a7
 notifies all prospective users of a    
consumer report relating to the consumer
 that the consumer may be a victim of   
fraud1 including identity theft2 and    
7,b7 is presented in a manner that      
facilitates a clear and conspicuous view
 of the statement described in          
subparagraph 7,a7 by any person         
requesting such consumer report4  7#b7  
,blocked file ,the term blocked file    

means a file of a minor consumer in     
which1 pursuant to this section1 a      
consumer reporting agency--  7,a7       
maintains a file with the name1 social  
security number1 date of birth1 and1 if 
applicable1 any credit information of   
the minor consumer2  7,b7 may not       
provide any person with a consumer      
report of the minor consumer2 and  7,c7 
blocks the input of any information into
 the file1 except with permission from a
 covered guardian of the minor consumer4
  7#c7 ,covered guardian ,the term      
covered guardian means--  7,a7 the legal
 guardian of a minor child2  7,b7 the   
custodian of a minor child2 or  7,c7 in 
the case of a child in foster care1 the 
,state agency or ,indian tribe or tribal
 organization responsible for the       
child's foster care4  7#d7 ,minor       
consumer ,the term minor consumer means 
an consumer who has not attained #ah    
years of age4  4  7b7 ,table of contents
 amendment ,the table of contents of the
 ,fair ,credit ,reporting ,act 7#ae     

,u4,s4,c4 #afha et seq47 is amended by  
inserting after the item related to     
section #fje;,b the following new item3 
#fje;,c4 ,additional protections for    
credit reports of minor consumers4  4