,,ii  #aad? ,,congress  #a/ ,session    
,s4 #abdi  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,may #g1 #bjae,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$it ,report+
 ,act to provide protections = active   
duty milit>y consum]s1 & = o!r purposes4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,milit>y ,families ,cr$it ,report+  
,act4  #b4 ,notice ( /atus z an active  
duty milit>y consum] ,! ,fair ,cr$it    
,report+ ,act 7#ae ,u4,s4,c4 #afha et   
seq47 is am5d$--  7#a7 9 section #fje1  
by add+ at ! end ! foll[+3  7i7 ,notice 
( /atus z an active duty milit>y consum]
  7#a7 ,9 g5]al ,) respect to an item ( 
adv]se in=mation ab\t a consum]1 if !   
action or inaction t gave rise to ! item
 occurr$ :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$4  7#b7 ,model =m ,!      
,bureau %all prep>e a model =m1 :i* %all
 be made publicly available1 includ+ 9  
an electronic =mat1 t all[s a consum]   
to--  7,a7 notify1 & provide appropriate
 pro( to1 a consum] report+ ag5cy 9 a   
simple & easy mann]1 includ+            
electronically1 t ! consum] is an active
 duty milit>y consum]2 &  7,b7 provide  
contact in=mation ( ! consum] = !       
purpose ( communicat+ ) ! consum] :ile !
 consum] is an active duty milit>y      
consum]4  2  7#b7 9 section #fje;,a--   
7,a7 9 subsection 7c7--  7i7 by         
r$esignat+ p>agraphs 7#a71 7#b71 & 7#c7 
z subp>agraphs 7,a71 7,b71 & 7,c71      
respectively1 & adju/+ ! m>g9s          
accord+ly2  7ii7 9 ! matt] prec$+       

subp>agraph 7,a71 z s r$esignat$1 by    
/rik+ ,^u & ins]t+ ! foll[+3  7#a7 ,9   
g5]al ,^u  2 &  7iii7 by add+ at ! end !
 foll[+3  7#b7 ,negative in=mation      
notification ,if a consum] report+ ag5cy
 receives an item ( adv]se in=mation    
ab\t a consum] :o has provid$           
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$ ! item ( adv]se       
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 duty milit>y      
consum]1 ! consum] report+ ag5cy %all   
use su* contact in=mation = all         

communications :ile ! consum] is an     
active duty milit>y consum]4  7#d7 ,s5se
 ( ,congress ,x is ! s5se ( ,congress t 
any p]son mak+ use ( a consum] report t 
conta9s an item ( adv]se 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$itwor?9ess ( ! consum]4  2 &  7,b7 9 
subsection 7e71 by /rik+ p>agraph 7#c7 &
 ins]t+ ! foll[+3  7#c7 subp>agraphs    
7,a7 & 7,b7 ( subsection 7c77#a71 9 !   
case ( a ref]ral "u subsection          
7c77#a77;,c74  2 &  7#c7 9 section      
#faa7;a77#a71 by add+ at ! end ! foll[+3
  7,d7 ,notice ( dispute relat$ 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