,,ii  #aac? ,,congress  #a/ ,session    
,s4 #afac  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,octob] #cj1 #bjac,mr4 
,kirk 7= himself & ,mr4 ,man*97         
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to cl>ify ,f$]al law ) respect to 
report+ full-file alt]native data1      
includ+ positive & negative consum]     
cr$it in=mation to consum] report+      
ag5cies by public utility or            
telecommunications companies1 & = o!r   
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,! ,cr$it ,access &        
,inclusion ,act4  #b4 ,full-file        
alt]native data1 includ+ positive &     
negative cr$it report+ p]mitt$  7a7 ,9  
g5]al ,section #fbc ( ! ,fair ,cr$it    
,report+ ,act 7#ae ,u4,s4,c4 #afhas-#b7 
is am5d$ by add+ at ! end ! foll[+ new  
subsection3  7f7 ,full-,file cr$it      
report+  7#a7 ,rule ( con/ruction ,no?+ 
9 ?is ,act1 or any regulation or rule   

e/abli%$ pursuant to ?is ,act1 %all be  
con/ru$ z to prohibit a p]son f furni%+ 
! foll[+ in=mation relat+ to a consum]  
to a consum] report+ ag5cy3 7,a7        
,id5tify+ in=mation ,a consum]'s full   
"n1 telephone numb]1 "m's maid5 "n1     
address1 zip code1 date ( bir?1 any     
g5]ational designation1 social security 
numb]1 or any o!r simil> consum]        
id5tifi]s or comb9ation !re(4  7,b7     
,transactions or exp]i5ces ,in=mation   
solely z to transactions or exp]i5ces   
betwe5 ! consum] & ! p]son furni%+ !    
in=mation4  7,c7 ,public in=mation      
,public record in=mation4  7,d7         
,p]=mance ( consum] ,! p]=mance ( a     
consum] mak+ paym5ts "u a real prop]ty  
lease or pursuant to a contract = a     
utility or telecommunication s]vice4    
7#b7 ,limitations ,in=mation ab\t a     
consum]'s usage ( any public utility    
s]vice may be furni%$ to a consum]      
report+ ag5cy only to ! ext5t t su*     
in=mation relates to paym5t by ! consum]
 = ! s]vices ( su* public utility or o!r

 t]ms ( ! provision ( s]vices to !      
consum]1 includ+ any deposit1 disc\nt1  
or ! conditions = int]ruption or        
t]m9ation ( ! s]vices4  7#c7 ,utility or
 telecommunication s]vice ,= purposes ( 
?is subsection1 ! t]m utility or        
telecommunication s]vice means an entity
 t provides utility s]vices to ! public 
?r\gh pipe1 wire1 l&l9e1 wireless1      
cable1 or o!r connect$ facilities1 or   
radio1 electronic1 or simil>            
transmission 7includ+ ! ext5sion ( su*  
facilities74  4