,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #ehdc  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,decemb] #aj1 #bjad   
,mr4 ,langev9 7= himself1 ,ms4 ,cl>k (  
,massa*usetts1 & ,ms4 ,%ea-,port]7      
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to create protect$ cr$it reports =
 m9ors & protect ! cr$it ( m9ors1 & =   
o!r purposes4  #a4 ,protections = cr$it 
reports ( m9ors  7a7 ,9 g5]al ,! ,fair  
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha et seq47 is am5d$ by ins]t+ aft]  
section #fje;,b ! foll[+ new section3   
#fje;,c4 ,additional protections = cr$it
 reports ( m9or consum]s  7a7 ,9 g5]al  
,a consum] report+ ag5cy describ$ 9     
section #fjc7p7 %all1 ^u reque/ by a    
cov]$ gu>dian ( a m9or consum]1 create a
 block$ file = ! m9or consum] or conv]t 
a file ( ! m9or consum] already 9       
exi/5ce to a block$ file4  7b7          
,requirem5ts ,! ,bureau1 by rule1 %all  
e/abli% proc$ures--  7#a7 = a consum]   

report+ ag5cy describ$ 9 section #fjc7p7
 to prop]ly id5tify ! cov]$ gu>dian & ! 
m9or consum] prior to creat+1 conv]t+1  
or unblock+ a block$ file = su* m9or    
consum]2  7#b7 = su* a consum] report+  
ag5cy to create a block$ file = a m9or  
consum] or to conv]t a file ( a m9or    
consum] already 9 exi/5ce to a block$   
file2 &  7#c7 consi/5t ) subsection 7c71
 = a cov]$ gu>dian to unblock a file4   
7c7 ,unblock+ a file  7#a7 ,9 g5]al ,a  
consum] report+ ag5cy describ$ 9 section
 #fjc7p7 %all unblock a block$ file ^u  
reque/ by a cov]$ gu>dian or on ! date (
 ! #ah? bir?day ( ! m9or consum]4  7#b7 
,al]t /atem5t ,an al]t /atem5t %all be  
includ$ 9 a file unblock$ pursuant to   
p>agraph 7#a7 if ! m9or consum] 0 a     
victim ( fraud or id5tity !ft be=e !    
date ( ! #ah? bir?day ( ! m9or consum] z
 foll[s3  7,a7 ,= a file unblock$ ^u    
reque/ by a cov]$ gu>dian1 = a p]iod (  
"t beg9n+ on ! date su* file is unblock$
 & end+ on ! date t is #a ye> aft] !    
date ( ! #ah? bir?day ( ! m9or consum]4 

7,b7 ,= a file unblock$ on ! date ( !   
#ah? bir?day ( ! m9or consum]1 = a p]iod
 ( #a ye> aft] su* date4  7#c7 ,duty (  
resell] ,) respect to in=mation conc]n+ 
a consum] ^: file conta9s an al]t       
/atem5t1 a resell] %all include su* al]t
 /atem5t :5 furni%+ su* in=mation4  7d7 
,fees  7#a7 ,9 g5]al ,! ,bureau %all    
det]m9e if a fee may be *>g$1 & ! am\nt 
( ! fee *>g$1 by a consum] report+ ag5cy
 describ$ 9 section #fjc7p7 to create1  
conv]t1 or unblock a file4  7#b7 ,fees  
prohibit$ ,a consum] report+ ag5cy      
describ$ 9 section #fjc7p7 may n *>ge a 
fee to a m9or consum] :o 0 a victim (   
fraud or id5tity !ft prior to ! date ( !
 m9or's #ah? bir?day1 to create1 conv]t1
 or unblock a file4  7e7 ,exceptions ,no
 provision ( ?is section %all be con/ru$
 z requir+ a consum] report+ ag5cy      
describ$ 9 section #fjc7p7 to prev5t a  
,f$]al1 ,/ate1 or local law en=cem5t    
ag5cy f access+ a block$ file4  7f7     
,def9itions ,9 ?is section ! foll[+     
def9itions %all apply3  7#a7 ,al]t      

/atem5t ,! t]m al]t /atem5t means a     
/atem5t t--  7,a7 notifies all          
prospective us]s ( a consum] report     
relat+ to ! consum] t ! consum] may be a
 victim ( fraud1 includ+ id5tity !ft2 & 
7,b7 is pres5t$ 9 a mann] t facilitates 
a cle> & conspicu\s view ( ! /atem5t    
describ$ 9 subp>agraph 7,a7 by any p]son
 reque/+ su* consum] report4  7#b7      
,block$ file ,! t]m block$ file means a 
file ( a m9or consum] 9 :i*1 pursuant to
 ?is section1 a consum] report+ ag5cy-- 
7,a7 ma9ta9s a file ) ! "n1 social      
security numb]1 date ( bir?1 &1 if      
applicable1 any cr$it in=mation ( ! m9or
 consum]2  7,b7 may n provide any p]son 
) a consum] report ( ! m9or consum]2 &  
7,c7 blocks ! input ( any in=mation into
 ! file1 except ) p]mission f a cov]$   
gu>dian ( ! m9or consum]4  7#c7 ,cov]$  
gu>dian ,! t]m cov]$ gu>dian means--    
7,a7 ! legal gu>dian ( a m9or *ild2     
7,b7 ! cu/odian ( a m9or *ild2 or  7,c7 
9 ! case ( a *ild 9 fo/] c>e1 ! ,/ate   
ag5cy or ,indian tribe or tribal        

organization responsible = ! *ild's fo/]
 c>e4  7#d7 ,m9or consum] ,! t]m m9or   
consum] means an consum] :o has n atta9$
 #ah ye>s ( age4  4  7b7 ,table (       
cont5ts am5dm5t ,! table ( cont5ts ( !  
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afha et seq47 is am5d$ by    
ins]t+ aft] ! item relat$ to section    
#fje;,b ! foll[+ new item3  #fje;,c4    
,additional protections = cr$it reports 
( m9or consum]s4  4