,,ii  #aad? ,,congress  #a/ ,session    
,s4 #aiha  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,augu/ #e1 #bjae,ms4   
,w>r5 7= h]self1 ,mr4 ,leahy1 ,mr4      
,wyd51 ,mr4 ,durb91 ,mr4 ,m55dez1 ,mr4  
,s&]s1 ,mr4 ,br[n1 ,mr4 ,:iteh\se1 ,mrs4
 ,%ahe51 ,mrs4 ,gillibr&1 ,mr4 ,frank51 
,mr4 ,blum5?al1 ,mr4 ,s*atz1 ,ms4       
,baldw91 ,mr4 ,murphy1 ,ms4 ,hirono1 &  
,mr4 ,m>key7 introduc$ ! foll[+ bill2   
:i* 0 read twice & ref]r$ to !          
,committee on ,heal?1 ,education1       
,labor1 & ,p5sions  ,a ,,bill  ,to am5d 
! ,fair ,cr$it ,report+ ,act to prohibit
 ! use ( consum] cr$it *ecks aga9/      
prospective & curr5t employees = !      
purposes ( mak+ adv]se employm5t        
decisions4  #a4 ,%ort title ,?is ,act   
may be cit$ z ! ,equal ,employm5t = ,all
 ,act ( #bjae4  #b4 ,use ( cr$it *ecks  
prohibit$ = employm5t purposes  7a7     
,prohibition = employm5t & adv]se action
 ,section #fjd ( ! ,fair ,cr$it ,report+
 ,act 7#ae ,u4,s4,c4 #afha;b7 is am5d$--
  7#a7 9 subsection 7a77#c77;,b71 by    

ins]t+ )9 ! re/rictions set =? 9        
subsection 7b7 aft] purposes2  7#b7 by  
r$esignat+ subsections 7b7 ?r\gh 7g7 z  
subsections 7c7 ?r\gh 7h71 respectively2
 &  7#c7 by ins]t+ aft] subsection 7a7 !
 foll[+ new subsection3  7b7 ,use (     
c]ta9 consum] report prohibit$ =        
employm5t purposes or adv]se action     
7#a7 ,g5]al prohibition ,except z       
provid$ 9 p>agraph 7#c71 a p]son1       
includ+ a prospective employ] or curr5t 
employ]1 may n use a consum] report or  
inve/igative consum] report1 or cause a 
consum] report or inve/igative consum]  
report to be procur$1 ) respect to any  
consum] :]e any in=mation conta9$ 9 !   
report be>s on ! cr$itwor?9ess1 cr$it   
/&+1 or cr$it capacity ( ! consum]--    
7,a7 = employm5t purposes2 or  7,b7 =   
mak+ an adv]se action1 z describ$ 9     
section #fjc7k77#a77;,b77ii74  7#b7     
,s\rce ( consum] report irrelevant ,!   
prohibition describ$ 9 p>agraph 7#a7    
%all apply ev5 if ! consum] cons5ts or  
o!rwise au?orizes ! procurem5t or use ( 

a consum] report = employm5t purposes or
 9 connection ) an adv]se action )      
respect to ! consum]4  7#c7 ,exceptions 
,not)/&+ ! prohibitions set =? 9 ?is    
subsection1 & consi/5t ) ! o!r sections 
( ?is ,act1 an employ] may use a consum]
 report ) respect to a consum] 9 !      
foll[+ situations3  7,a7 ,:5 ! consum]  
applies =1 or curr5tly holds1 employm5t 
t requires national security cle>ance4  
7,b7 ,:5 o!rwise requir$ by law4  7#d7  
,effect on disclosure & notification    
requirem5ts ,! exceptions describ$ 9    
p>agraph 7#c7 %all h no effect ^u ! o!r 
requirem5ts ( ?is ,act1 includ+         
requirem5ts 9 reg>ds to disclosure &    
notification to a consum] :5 p]missibly 
us+ a consum] report = employm5t        
purposes or = mak+ an adv]se action     
aga9/ ! consum]4  4  7b7 ,con=m+        
am5dm5ts & cross ref]5ces ,! ,fair      
,cr$it ,report+ ,act is fur!r am5d$ z   
foll[s3  7#a7 ,9 section #fjc 7#ae      
,u4,s4,c4 #afha;a7--  7,a7 9 subsection 
7d77#c71 by /rik+ #fjd7;g77#c7 & ins]t+ 

#fjd7;h77#c72 &  7,b7 9 subsection 7o71 
by /rik+ ,a & ins]t+ ,subject to !      
re/rictions set =? 9 subsection         
#fjd7;b71 a4  7#b7 ,9 section #fjd 7#ae 
,u4,s4,c4 #afha;b7--  7,a7 9 subsection 
7a71 by /rik+ subsection 7c7 & ins]t+   
subsection 7d72  7,b7 9 subsection 7c71 
z r$esignat$ by subsection 7a77#b7 ( ?is
 section--  7i7 9 p>agraph 7#b77;,a71 by
 ins]t+ & subject to ! re/rictions set  
=? 9 subsection 7b7 aft] subp>agraph    
7,b72 &  7ii7 9 p>agraph 7#c77;,a71 by  
ins]t+ & subject to ! re/rictions set =?
 9 subsection 7b7 aft] subp>agraph 7,b72
  7,c7 9 subsection 7d77#a71 z          
r$esignat$ by subsection 7a77#b7 ( ?is  
section1 by /rik+ subsection 7e7 9 bo?  
places t t]m appe>s & ins]t+ subsection 
7f72 &  7,d7 9 subsection 7f71 z        
r$esignat$ by subsection 7a77#b7 ( ?is  
section--  7i7 9 p>agraph 7#a71 by /rik+
 subsection 7c77#a77;,b7 & ins]t+       
subsection 7d77#a77;,b72 &  7ii7 9      
p>agraph 7#e71 by /rik+ subsection      
7c77#a77;,b7 & ins]t+ subsection        

7d77#a77;,b74  7#c7 ,9 section          
#fjg7;e77#c77;,a7 7#ae ,u4,s4,c4        
#afha;e7e77#c77;,a771 by /rik+          
#fjd7;b77#d77;,e77i7 & ins]t+           
#fjd7;c77#d77;,e77i74  7#d7 ,9 section  
#fji 7#ae ,u4,s4,c4 #afha;g7--  7,a7 9  
subsection 7a77#c77;,c77i71 by /rik+    
#fjd7;b77#d77;,e77i7 & ins]t+           
#fjd7;c77#d77;,e77i72 &  7,b7 9         
subsection 7a77#c77;,c77ii71 by /rik+   
#fjd7;b77#d77;,a7 & ins]t+              
#fjd7;c77#d77;,a74  7#e7 ,9 section     
#fac7;b7 7#ae ,u4,s4,c4 #afhak7b77 by   
/rik+ section #fjd7;b77#d77;,a7 & ins]t+
 section #fjd7;c77#d77;,a74  7#f7 ,9    
section #fae 7#ae ,u4,s4,c4 #afham7--   
7,a7 9 subsection 7d77#a71 by /rik+     
section #fjd7;c77#a77;,b7 & ins]t+      
section #fjd7;d77#a77;,b72  7,b7 9      
subsection 7d77#a77;,e71 by /rik+       
section #fjd7;e7 & ins]t+ section       
#fjd7;f72 &  7,c7 9 subsection          
7d77#b77;,a71 by /rik+ section #fjd7;e7 
& ins]t+ section #fjd7;f74