,i  #aaeth ,,congress  #ast ,session    
,h4 ,r4 #dcac  ,,in ,,the ,,house ,,of  
,,representatives  ,november #h1        
#bjag,ms4 ,snchez introduced the        
following bill2 which was referred to   
the ,committee on ,financial ,services  
,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 ,fair    
,credit ,reporting for ,servicemembers  
,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 #fjc7q77#a77;,b71 by inserting  
before the period the following3 for a  
period of not less than #ij days2  7#b7 
in section #fje1 by adding at the end   
the following3  7i7 ,notice of status as
 an active duty military consumer ,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 
such item of information 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  2 
7#c7 in section #fje;,a-- 7,a7 in       
subsection 7c7--  7i7 by striking ,upon 
and inserting the following3  7#a7 ,in  
general ,upon  2  7ii7 by redesignating 
paragraphs 7#a71 7#b71 and 7#c7 as      
subparagraphs 7,a71 7,b71 and 7,c71 and 
moving such redesignated subparagraphs  
#b ems to the right2 and  7iii7 by      
adding at the end the following3  7#b7  
,negative information alert ,any time a 
consumer reporting agency receives an   

item of adverse information about a     
consumer1 if the consumer 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   
agency has received such item of adverse
 information1 along with a description  
of the item2 and  7,b7 the method by    
which the consumer can dispute the      
validity of the item4  7#c7 ,contact    
information for active duty military    
consumers ,with respect to any consumer 
that has provided appropriate proof to a
 consumer reporting agency that the     
consumer is an active duty military     
consumer1 if the consumer provides the  
consumer reporting agency with separate 
contact information to be used when     
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 containing 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        
amending paragraph 7#c7 to read as      
follows3  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#d7 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 any item of  
information described under subparagraph
 7,a7 that is under dispute1 if the     
consumer has notified the consumer      
reporting agency1 and 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 include 
such fact in the consumer's file and    
shall indicate that fact in each        
consumer report that includes the       
disputed item4  4