,,ii  #aadth ,,congress  #ast ,session  
,s4 #bcee  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,december #c1  
#bjae,mr4 ,kirk 7for himself and ,mr4   
,manchin7 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 clarify ,federal law with respect to 
reporting certain positive consumer     
credit information to consumer reporting
 agencies1 and for other purposes4  #a4 
,short title ,this ,act may be cited as 
the ,credit ,access and ,inclusion ,act 
of #bjae4  #b4 ,positive credit         
reporting permitted ,section #fbc of the
 ,fair ,credit ,reporting ,act 7#ae     
,u4,s4,c4 #afhas-#b7 is amended--  7#a7 
in subsection 7c77#a71 by striking      
subsection 7a7 and inserting subsection 
7a7 or 7f72 and  7#b7 by adding at the  
end the following3  7f7 ,full-,file     
credit reporting  7#a7 ,definitions ,in 
this subsection3 7,a7 ,energy utility   

firm ,the term energy utility firm means
 an entity that provides gas or electric
 utility services to the public4  7,b7  
,utility or telecommunication firm ,the 
term utility or telecommunication firm  
means an entity that provides utility   
services to the public through pipe1    
wire1 landline1 wireless1 cable1 or     
other connected facilities1 or radio1   
electronic1 or similar transmission     
7including the extension of such        
facilities74  7#b7 ,furnishing of       
information ,subject to the limitation  
in paragraph 7#c7 and notwithstanding   
any other provision of law1 a person or 
the ,secretary of ,housing and ,urban   
,development may furnish to a consumer  
reporting agency information relating to
 the performance of a consumer in making
 payments--  7,a7 under a lease         
agreement with respect to a dwelling1   
including a lease in which the          
,department of ,housing and ,urban      
,development provides subsidized        
payments for occupancy in a dwelling2 or

  7,b7 pursuant to a contract for a     
utility or telecommunications service4  
7#c7 ,limitation ,information about the 
usage of a consumer of any utility      
services provided by a utility or       
telecommunication firm may be furnished 
to a consumer reporting agency only to  
the extent that the information relates 
to payment by the consumer for the      
services of the utility or              
telecommunication service or other terms
 of the provision of the services to the
 consumer1 including any deposit1       
discount1 or conditions for interruption
 or termination of the services4  7#d7  
,payment plan ,an energy utility firm   
may not report payment information to a 
consumer reporting agency with respect  
to an outstanding balance of a consumer 
as late if--  7,a7 the energy utility   
firm and the consumer have entered into 
a payment plan 7including a deferred    
payment agreement1 an arrearage         
management program1 or a debt           
forgiveness program7 with respect to    

such outstanding balance2 and  7,b7 the 
consumer is meeting the obligations of  
the payment plan1 as determined by the  
energy utility firm4  4