,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #fde  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,febru>y #ac1 #bjac   
,mr4 ,coh5 7= himself1 ,mr4 ,butt]field1
 ,mr4 ,johnson ( ,georgia1 ,mr4 ,meeks1 
,mr4 ,cony]s1 ,ms4 ,norton1 ,mr4        
,ellison1 ,ms4 ,s*ak[sky1 ,mr4 ,mi*aud1 
,ms4 ,edw>ds1 ,mr4 ,danny ,k4 ,davis (  
,ill9ois1 ,mr4 ,holt1 ,mr4 ,grijalva1   
,ms4 ,roybal-,all>d1 ,mr4 ,d+ell1 ,mr4  
,s]rano1 ,mr4 ,rangel1 ,ms4 ,lee (      
,cali=nia1 ,mr4 ,l>s5 ( ,wa%+ton1 ,ms4  
,bass1 ,mr4 ,f>r1 ,mr4 ,honda1 ,mr4     
,takano1 ,ms4 ,%ea-,port]1 & ,ms4 ,eddie
 ,b]nice ,johnson ( ,texas7 introduc$ ! 
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to prohibit ! use ( consum] cr$it 
*ecks aga9/ prospective & curr5t        
employees = ! purposes ( mak+ adv]se    
employm5t decisions4  #a4 ,%ort title   
,?is ,act may be cit$ z ! ,equal        
,employm5t = ,all ,act4  #b4 ,use (     
cr$it *ecks prohibit$ = employm5t       

purposes  7a7 ,prohibition = employm5t &
 adv]se action ,section #fjd ( ! ,fair  
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;b7 is am5d$--  7#a7 9 subsection  
7a77#c77;,b71 by ins]t+ )9 ! re/rictions
 set =? 9 subsection 7b7 aft] purposes2 
7#b7 by r$esignat+ subsections 7b7 ?r\gh
 7g7 z subsections 7c7 ?r\gh 7h71       
respectively2 &  7#c7 by ins]t+ aft]    
subsection 7a7 ! foll[+ new subsection3 
7b7 ,use ( c]ta9 consum] report         
prohibit$ = employm5t purposes or adv]se
 action  7#a7 ,g5]al prohibition ,except
 z provid$ 9 p>agraph 7#c71 a p]son1    
includ+ a prospective employ] or curr5t 
employ]1 may n use a consum] report or  
inve/igative consum] report1 or cause a 
consum] report or inve/igative consum]  
report to be procur$1 ) respect to any  
consum] :]e any in=mation conta9$ 9 !   
report be>s on ! consum]'s              
cr$itwor?9ess1 cr$it /&+1 or cr$it      
capacity--  7,a7 = employm5t purposes2  
or  7,b7 = mak+ an adv]se action1 z     
describ$ 9 section #fjc7k77#a77;,b77ii74

  7#b7 ,s\rce ( consum] report          
irrelevant ,! prohibition describ$ 9    
p>agraph 7#a7 %all apply ev5 if !       
consum] cons5ts or o!rwise au?orizes !  
procurem5t or use ( a consum] report =  
employm5t purposes or 9 connection ) an 
adv]se action ) respect to su* consum]4 
7#c7 ,exceptions ,not)/&+ ! prohibitions
 set =? 9 ?is subsection1 & consi/5t ) !
 o!r sections ( ?is ,act1 an employ] may
 use a consum] report ) respect to a    
consum] 9 ! foll[+ situations3  7,a7 ,:5
 ! consum] applies =1 or curr5tly holds1
 employm5t t requires national security 
or ,,fdic cle>ance4  7,b7 ,:5 ! consum] 
applies =1 or curr5tly holds1 employm5t 
) a ,/ate or local gov]nm5t ag5cy :i*   
o!rwise requires use ( a consum] report4
  7,c7 ,:5 ! consum] applies =1 or      
curr5tly holds1 a sup]visory1 manag]ial1
 pr(essional1 or executive position at a
 f9ancial in/itution4  7,d7 ,:5 o!rwise 
requir$ by law4  7#d7 ,effect on        
disclosure & notification requirem5ts ,!
 exceptions describ$ 9 p>agraph 7#c7    

%all h no effect ^u ! o!r requirem5ts ( 
?is ,act1 includ+ requirem5ts 9 reg>ds  
to disclosure & notification to a       
consum] :5 p]missibly us+ a consum]     
report = employm5t purposes or = mak+ an
 adv]se action aga9/ su* consum]4  4    
7b7 ,con=m+ am5dm5ts & cross ref]5ces   
,su* ,act is fur!r am5d$ z foll[s3  7#a7
 ,9 section #fjc 7#ae ,u4,s4,c4         
#afha;a7--  7,a7 9 subsection 7d77#c71  
by /rik+ #fjd7;g77#c7 & ins]t+          
#fjd7;h77#c72 &  7,b7 9 subsection 7o71 
by /rik+ ,a & ins]t+ ,subject to !      
re/rictions set =? 9 section #fjd7;b71  
a4  7#b7 ,9 section #fjd 7#ae ,u4,s4,c4 
#afha;b7--  7,a7 9 subsection 7a71 by   
/rik+ subsection 7c7 & ins]t+ subsection
 7d72  7,b7 9 subsection 7c71 z         
r$esignat$ by subsection 7a77#b7 ( ?is  
section--  7i7 9 p>agraph 7#b77;,a71 by 
ins]t+ & subject to ! re/rictions set =?
 9 subsection 7b7 aft] subp>agraph 7,b72
 &  7ii7 9 p>agraph 7#c77;,a71 by ins]t+
 & subject to ! re/rictions set =? 9    
subsection 7b7 aft] subp>agraph 7,b72   

7,c7 9 subsection 7d77#a71 z r$esignat$ 
by subsection 7a77#b7 ( ?is section1 by 
/rik+ subsection 7e7 9 bo? places x     
appe>s & ins]t+ subsection 7f72  7,d7 9 
subsection 7f71 z r$esignat$ by         
subsection 7a77#b7 ( ?is section--  7i7 
9 p>agraph 7#a71 by /rik+ subsection    
7c77#a77;,b7 & ins]t+ subsection        
7d77#a77;,b72 &  7ii7 9 p>agraph 7#e71  
by /rik+ subsection 7c77#a77;,b7 &      
ins]t+ subsection 7d77#a77;,b74  7#c7 ,9
 section #fjg7;e77#c77;,a7 7#ae         
,u4,s4,c4 #afha;e7e77#c77;,a771 by /rik+
 #fjd7;b77#d77;,e77i7 & ins]t+          
#fjd7;c77#d77;,e77i74  7#d7 ,9 section  
#fji 7#ae ,u4,s4,c4 #afha;g7--  7,a7 9  
subsection 7a77#c77;,c77i71 by /rik+    
#fjd7;b77#d77;,e77i7 & ins]t+           
#fjd7;c77#d77;,e77i72 &  7,b7 9         
subsection 7a77#c77;,c77ii71 by /rik+   
#fjd7;b77#d77;,a7 & ins]t+              
#fjd7;c77#d77;,a74  7#e7 ,9 section     
#fac7;a7 7#ae ,u4,s4,c4 #afhak7a77 by   
/rik+ section #fjd7;b77#d77;,a7 & ins]t+
 section #fjd7;c77#d77;,a74  7#f7 ,9    

section #fae 7#ae ,u4,s4,c4 #afham7--   
7,a7 9 subsection 7d77#a71 by /rik+     
section #fjd7;c77#a77;,b7 & ins]t+      
section #fjd7;d77#a77;,b72  7,b7 9      
subsection 7d77#a77;,e71 by /rik+       
section #fjd7;e7 & ins]t+ section       
#fjd7;f72 &  7,c7 9 subsection          
7d77#b77;,a71 by /rik+ section #fjd7;e7 
& ins]t+ section #fjd7;f74