,i  #aaeth ,,congress  #ast ,session    
,h4 ,r4 #djb  ,,in ,,the ,,house ,,of   
,,representatives  ,january #aj1        
#bjag,mr4 ,cohen 7for himself1 ,ms4     
,norton1 ,ms4 ,tsongas1 ,mr4 ,evans1 and
 ,ms4 ,shea-,porter7 introduced the     
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to amend the ,fair ,credit  
,reporting ,act to require the inclusion
 of credit scores with free annual      
credit reports provided to consumers1   
and for other purposes4  #a4 ,short     
title ,this ,act may be cited as the    
,fair ,access to ,credit ,scores ,act of
 #bjag4  #b4 ,credit scores included in 
free annual disclosures  7a7 ,in general
 ,section #fji of the ,fair ,credit     
,reporting ,act 7#ae ,u4,s4,c4 #afha;g7 
is amended--  7#a7 in subsection        
7a77#a7-- 7,a7 by striking and at the   
end and inserting a period2  7,b7 by    
striking except that-- and all that     
follows through 7,a7 if the and         
inserting except that if the2 and  7,c7 

by striking subparagraph 7,b72  7#b7 in 
subsection 7a71 by adding at the end the
 following3  7#g7 ,if the consumer      
reporting agency is a consumer reporting
 agency that compiles and maintains     
files on consumers on a nationwide basis
 as described in section #fjc7p71 each  
such agency shall disclose a current    
credit score generated using the scoring
 algorithm1 formula1 model1 program1 or 
mechanism that is most frequently used  
to generate credit scores sold to       
creditors1 subject to regulations of the
 ,bureau1 along with any information in 
the consumer's file at the time of the  
request concerning credit scores or any 
other risk scores or other predictors   
relating to the consumer1 if such       
request is made in connection with a    
free annual disclosure made pursuant to 
section #fab7;a74  7#h7 ,such other     
consumer information as the ,bureau     
considers appropriate with respect to   
consumer financial education1 including 
the information required by subsection  

7f77#a71 information describing the     
credit score of the consumer with       
respect to a range of possible credit   
scores1 and the general factors         
contributing to the credit scores of    
consumers4  2 and  7#c7 in subsection   
7f7-- 7,a7 in paragraph 7#a7--  7i7 by  
striking 1 a consumer reporting agency  
and all that follows through shall      
include-- and inserting or a risk score1
 a consumer reporting agency shall      
supply to the consumer--2 and  7ii7 by  
amending subparagraph 7,a7 to read as   
follows3  7,a7 any credit score or risk 
score in the file of the consumer at the
 consumer reporting agency2  2  7,b7 in 
paragraph 7#b7--  7i7 by redesignating  
subparagraph 7,b7 as subparagraph 7,c72 
and  7ii7 by striking subparagraph 7,a7 
and inserting the following3  7,a7      
,credit score ,the term credit score    
means a numerical value or a            
categorization derived from a           
statistical tool or modeling system used
 by a person who makes or arranges a    

loan to predict the likelihood of       
certain credit behaviors1 including     
default4  7,b7 ,risk score ,the term    
risk score means a numerical value or a 
categorization derived from a           
statistical tool or modeling system     
based upon information from a consumer  
report for the purpose of predicting the
 likelihood of certain behaviors or     
outcomes1 and includes scores used for  
the underwriting of insurance4  2  7,c7 
by striking paragraph 7#f7 and inserting
 the following3  7#f7 ,maintenance of   
credit scores ,all consumer reporting   
agencies shall maintain in the          
consumer's file credit scores or any    
other risk scores or other predictors   
relating to the consumer for a period of
 not less than #a year beginning on the 
date on which such information is       
generated4  2  7,d7 by striking         
paragraph 7#g7 and redesignating        
paragraphs 7#h7 and 7#i7 as paragraphs  
7#g7 and 7#h71 respectively2 and  7,e7  
in paragraph 7#g7 7as so redesignated71 

by inserting before the period at the   
end the following3 1 except that a      
consumer reporting agency described in  
section #fjc7p7 shall provide a credit  
score without charge to the consumer if 
the consumer is requesting the score in 
connection with a free annual disclosure
 made pursuant to section #fab7;a74  7b7
 ,inclusion in free reports ,section    
#fab7;g7 of the ,fair ,credit ,reporting
 ,act 7#ae ,u4,s4,c4 #afha;j7g77 is     
amended-- 7#a7 in paragraph 7#a7--  7,a7
 by striking free credit report and     
inserting free or low cost credit report
 or credit score2 and  7,b7 by inserting
 and free credit scores after free      
credit reports2 and  7#b7 in paragraph  
7#b71 by inserting or free credit score1
 as applicable1 after free credit       
report4  7c7 ,technical corrections ,the
 ,fair ,credit ,reporting ,act 7#ae     
,u4,s4,c4 #afha;a et seq47 is amended-- 
7#a7 in section #fjc 7#ae ,u4,s4,c4     
#afha;a7-- 7,a7 in subsection           
7d77#b77;,d71 by striking 7x7 and       

inserting 7y72  7,b7 in subsection      
7q77#e71 by striking #ajc7;i7 and       
inserting #ajc7;j72 and  7,c7 in        
subsection 7v71 by striking ,bureau and 
inserting ,federal ,trade ,commission2  
7#b7 in section #fjd 7#ae ,u4,s4,c4     
#afha;b7-- 7,a7 in subsection 7b7--  7i7
 in paragraph 7#b77;,b77i71 by striking 
section #fae7;a77#c7 and inserting      
section #fae7;a77#d72  7ii7 in paragraph
 7#c77;,b77ii71 by striking clause      
7,b77i77,,iv7 and inserting clause      
7i77,,iv72  7iii7 in paragraph          
7#d77;,a77ii71 by inserting and after   
the semicolon2 and  7iv7 by striking    
section #fji7;c77#c7 each place that    
term appears and inserting section      
#fji7;c72 and  7,b7 in subsection       
7g77#e71 by striking paragraph 7#b74--  
and all that follows through ,the       
,bureau and inserting paragraph         
7#b74--,the ,bureau2  7#c7 in section   
#fje 7#ae ,u4,s4,c4 #afha;c7--  7,a7 in 
subsection 7f71 by striking who and     
inserting which2 and  7,b7 in subsection

 7h77#b77;,a7--  7i7 by striking shall11
 and inserting shall12 and  7ii7 by     
striking ,commission11 and inserting    
,commission12  7#d7 in section          
#fje;,a7h77#a77;,a7 7#ae ,u4,s4,c4      
#afha;c-#a7;h77#a77;,a771 by striking   
#ajc7;i7 and inserting #ajc7;j72  7#e7  
in section #fjg7;e77#c77;,a7 7#ae       
,u4,s4,c4 #afha;e7e77#c77;,a771 by      
striking section #fjd7;b77#d77;,e77i7   
and inserting section                   
#fjd7;b77#d77;,d77i72  7#f7 in section  
#fji 7#ae ,u4,s4,c4 #afha;g7-- 7,a7 in  
subsection 7a77#c77;,c77i71 by striking 
section #fjd7;b77#d77;,e77i7 and        
inserting section #fjd7;b77#d77;,d77i72 
7,b7 in subsection 7c77#a7-- 7i7 in the 
paragraph heading1 by striking          
,commission and inserting ,bureau2 and  
7ii7 in subparagraph 7,b77vi71 by       
striking #fjc7w7 and inserting #fjc7x72 
7,c7 in subsection                      
7e77#b77;,b77ii77,,ii71 by striking an2 
and  7,d7 by striking ,the ,commission  
each place that term appears and        

inserting ,the ,bureau2  7#g7 in section
 #faj 7#ae ,u4,s4,c4 #afha;h7--  7,a7 in
 subsection 7b77#a71 by inserting       
section after under2 and  7,b7 in       
subsection 7e71 by inserting a comma    
after on the report2  7#h7 in section   
#faa 7#ae ,u4,s4,c4 #afha;i71 by        
striking ,the ,commission each place    
that term appears and inserting ,the    
,bureau2  7#i7 in section #fab 7#ae     
,u4,s4,c4 #afha;j7--  7,a7 in subsection
 7a77#a7-- 7i7 in subparagraph 7,a71 by 
striking 7w7 and inserting 7x72 and     
7ii7 in subparagraph 7,c71 by striking  
#fjc7w7 each place that term appears and
 inserting #fjc7x72  7,b7 in subsection 
7g77#b71 by striking televison and      
inserting television2 and  7,c7 by      
striking ,the ,commission each place    
that term appears and inserting ,the    
,bureau2 and  7#aj7 in section #fba 7#ae
 ,u4,s4,c4 #afhas7--  7,a7 in subsection
 7a77#a71 in the first sentence1 by     
striking 1 subsection 7b72  7,b7 in     
subsection 7e77#b71 by inserting a      

period after provisions of this title2  
and  7,c7 in subsection 7f77#b71 by     
striking ,the ,commission and inserting 
,the ,bureau4