,,ii  #aacth ,,congress  #b;d ,session  
,s4 #bdef  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,june #aj1     
#bjad ,mr4 ,menendez 7for himself1 ,mr4 
,brown1 and ,mr4 ,booker7 introduced the
 following bill2 which was read twice   
and referred to the ,committee on       
,banking1 ,housing1 and ,urban ,affairs 
,a ,,bill  ,to amend the ,fair ,credit  
,reporting ,act to provide protections  
for active duty military consumers1 and 
for other purposes4  #a4 ,notice of     
status as an active duty military       
consumer ,the ,fair ,credit ,reporting  
,act 7#ae ,u4,s4,c4 #afha et seq47 is   
amended-- 7#a7 in section #fje1 by      
adding at the end the following3  7i7   
,notice of status as an active duty     
military consumer ,with respect to an   
adverse item of information about a     
consumer1 if the action or inaction that
 gave rise to the item occurred while   
the consumer was an active duty military
 consumer1 the consumer may provide     
appropriate proof1 including official   

orders1 to a consumer reporting agency  
that the consumer was an active duty    
military consumer at the time such      
action or inaction occurred1 and any    
consumer report provided by the consumer
 reporting agency that includes the item
 shall clearly and conspicuously        
disclose that the consumer was an active
 duty military consumer when the action 
or inaction that gave rise to the item  
occurred4  2 and  7#b7 in section       
#fje;,a7c7-- 7,a7 by redesignating      
paragraphs 7#a71 7#b71 and 7#c7 as      
subparagraphs 7,a71 7,b71 and 7,c71     
respectively1 and moving such           
redesignated subparagraphs #b ems to the
 right2  7,b7 in the matter preceding   
subparagraph 7,a71 as so redesignated1  
by striking ,upon and inserting the     
following3  7#a7 ,in general ,upon  2   
7,c7 by adding at the end the following3
  7#b7 ,negative information alert ,if a
 consumer reporting agency receives an  
adverse item of information about a     
consumer who has provided appropriate   

proof that the consumer is an active    
duty military consumer1 the consumer    
reporting agency shall promptly notify  
the consumer-- 7,a7 that the consumer   
reporting agency has received the       
adverse item of information1 along with 
a description of the item2 and  7,b7 the
 method by which the consumer may       
dispute the validity of the item4  7#c7 
,contact information for active duty    
military consumers ,if a consumer who   
has provided appropriate proof to a     
consumer reporting agency that the      
consumer is an active duty military     
consumer provides the consumer reporting
 agency with contact information for the
 purpose of communicating with the      
consumer while the consumer is an active
 military consumer1 the consumer        
reporting agency shall use such contact 
information for all communications while
 the consumer is an active military     
consumer4  7#d7 ,sense of ,congress ,it 
is the sense of ,congress that any      
person making use of a consumer report  

that contains an adverse item of        
information should1 if the action or    
inaction that gave rise to the item     
occurred while the consumer was an      
active duty military consumer1 take such
 fact into account when evaluating the  
creditworthiness of the consumer4  2 and
  7,d7 in section #faa7;a77#a71 by      
adding at the end the following3  7,d7  
,notice of dispute related to active    
duty military consumers ,with respect to
 an item of information described under 
subparagraph 7,a7 that is under dispute1
 if the consumer to whom the item       
relates has notified the consumer       
reporting agency1 and has provided      
appropriate proof1 that the consumer was
 an active duty military consumer at the
 time the action or inaction that gave  
rise to the disputed item occurred1 the 
consumer reporting agency shall-- 7i7   
include such fact in the file of the    
consumer2 and  7ii7 indicate such fact  
in each consumer report that includes   
the disputed item4  4