,,ii  #aac? ,,congress  #b;d ,session   
,s4 #bdef  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #aj1 #bjad ,mr4  
,m55dez 7= himself1 ,mr4 ,br[n1 & ,mr4  
,book]7 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$it ,report+
 ,act to provide protections = active   
duty milit>y consum]s1 & = o!r purposes4
  #a4 ,notice ( /atus z an active duty  
milit>y consum] ,! ,fair ,cr$it ,report+
 ,act 7#ae ,u4,s4,c4 #afha et seq47 is  
am5d$-- 7#a7 9 section #fje1 by add+ at 
! end ! foll[+3  7i7 ,notice ( /atus z  
an active duty milit>y consum] ,)       
respect to an adv]se item ( in=mation   
ab\t a consum]1 if ! action or inaction 
t gave rise to ! item occurr$ :ile !    
consum] 0 an active duty milit>y        
consum]1 ! consum] may provide          
appropriate pro(1 includ+ (ficial ord]s1
 to a consum] report+ ag5cy t ! consum] 
0 an active duty milit>y consum] at ! "t
 su* action or inaction occurr$1 & any  

consum] report provid$ by ! consum]     
report+ ag5cy t includes ! item %all    
cle>ly & conspicu\sly disclose t !      
consum] 0 an active duty milit>y consum]
 :5 ! action or inaction t gave rise to 
! item occurr$4  2 &  7#b7 9 section    
#fje;,a7c7-- 7,a7 by r$esignat+         
p>agraphs 7#a71 7#b71 & 7#c7 z          
subp>agraphs 7,a71 7,b71 & 7,c71        
respectively1 & mov+ su* r$esignat$     
subp>agraphs #b ems to ! "r2  7,b7 9 !  
matt] prec$+ subp>agraph 7,a71 z s      
r$esignat$1 by /rik+ ,^u & ins]t+ !     
foll[+3  7#a7 ,9 g5]al ,^u  2  7,c7 by  
add+ at ! end ! foll[+3  7#b7 ,negative 
in=mation al]t ,if a consum] report+    
ag5cy receives an adv]se item (         
in=mation ab\t a consum] :o has provid$ 
appropriate pro( t ! consum] is an      
active duty milit>y consum]1 ! consum]  
report+ ag5cy %all promptly notify !    
consum]-- 7,a7 t ! consum] report+ ag5cy
 has receiv$ ! adv]se item ( in=mation1 
along ) a description ( ! item2 &  7,b7 
! me?od by :i* ! consum] may dispute !  

validity ( ! item4  7#c7 ,contact       
in=mation = active duty milit>y consum]s
 ,if a consum] :o has provid$           
appropriate pro( to a consum] report+   
ag5cy t ! consum] is an active duty     
milit>y consum] provides ! consum]      
report+ ag5cy ) contact in=mation = !   
purpose ( communicat+ ) ! consum] :ile !
 consum] is an active milit>y consum]1 !
 consum] report+ ag5cy %all use su*     
contact in=mation = all communications  
:ile ! consum] is an active milit>y     
consum]4  7#d7 ,s5se ( ,congress ,x is !
 s5se ( ,congress t any p]son mak+ use (
 a consum] report t conta9s an adv]se   
item ( in=mation %\ld1 if ! action or   
inaction t gave rise to ! item occurr$  
:ile ! consum] 0 an active duty milit>y 
consum]1 take su* fact into acc\nt :5   
evaluat+ ! cr$itwor?9ess ( ! consum]4  2
 &  7,d7 9 section #faa7;a77#a71 by add+
 at ! end ! foll[+3  7,d7 ,notice (     
dispute relat$ to active duty milit>y   
consum]s ,) respect to an item (        
in=mation describ$ "u subp>agraph 7,a7 t

 is "u dispute1 if ! consum] to :om !   
item relates has notifi$ ! consum]      
report+ ag5cy1 & has provid$ appropriate
 pro(1 t ! consum] 0 an active duty     
milit>y consum] at ! "t ! action or     
inaction t gave rise to ! disput$ item  
occurr$1 ! consum] report+ ag5cy %all-- 
7i7 include su* fact 9 ! file ( !       
consum]2 &  7ii7 indicate su* fact 9 ea*
 consum] report t includes ! disput$    
item4  4