,,ii  #aadth ,,congress  #ast ,session  
,s4 #abdi  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,may #g1       
#bjae,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 ,short title   
,this ,act may be cited as the ,military
 ,families ,credit ,reporting ,act4  #b4
 ,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  7#a7 ,in 
general ,with respect to an item of     
adverse 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  7#b7 ,model form ,the ,bureau
 shall prepare a model form1 which shall
 be made publicly available1 including  
in an electronic format1 that allows a  
consumer to--  7,a7 notify1 and provide 
appropriate proof to1 a consumer        
reporting agency in a simple and easy   
manner1 including electronically1 that  
the consumer is an active duty military 
consumer2 and  7,b7 provide contact     
information of the consumer for the     
purpose of communicating with the       

consumer while the consumer is an active
 duty military consumer4  2  7#b7 in    
section #fje;,a-- 7,a7 in subsection    
7c7--  7i7 by redesignating paragraphs  
7#a71 7#b71 and 7#c7 as subparagraphs   
7,a71 7,b71 and 7,c71 respectively1 and 
adjusting the margins accordingly2  7ii7
 in the matter preceding subparagraph   
7,a71 as so redesignated1 by striking   
,upon and inserting the following3  7#a7
 ,in general ,upon  2 and  7iii7 by     
adding at the end the following3  7#b7  
,negative information notification ,if a
 consumer reporting agency receives an  
item of adverse 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 item  
of adverse 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
 duty military consumer1 the consumer   
reporting agency shall use such contact 
information for all communications while
 the consumer is an active duty 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 item of adverse        
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,b7 in subsection 7e71 by striking   
paragraph 7#c7 and inserting the        

following3  7#c7 subparagraphs 7,a7 and 
7,b7 of subsection 7c77#a71 in the case 
of a referral under subsection          
7c77#a77;,c74  2 and  7#c7 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