,i  #aaeth ,,congress  #ast ,session    
,h4 ,r4 #dce  ,,in ,,the ,,house ,,of   
,,representatives  ,january #aa1        
#bjag,mr4 ,ellison 7for himself1 ,mr4   
,pittenger1 ,mrs4 ,carolyn ,b4 ,maloney 
of ,new ,york1 ,mr4 ,duffy1 ,mr4 ,al    
,green of ,texas1 ,mr4 ,stivers1 ,mr4   
,meeks1 ,mrs4 ,love1 ,mr4 ,capuano1 ,mr4
 ,renacci1 ,ms4 ,moore1 ,mr4 ,jones1    
,mr4 ,conyers1 ,mr4 ,grijalva1 and ,ms4 
,schakowsky7 introduced the following   
bill2 which was referred to the         
,committee on ,financial ,services  ,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 ,the ,credit   
,access and ,inclusion ,act of #bjag4   
#b4 ,positive credit reporting permitted
  7a7 ,in general ,section #fbc of the  
,fair ,credit ,reporting ,act 7#ae      
,u4,s4,c4 #afhas-#b7 is amended by      

adding at the end the following new     
subsection3  7f7 ,full-,file credit     
reporting  7#a7 ,in general ,subject to 
the limitation in paragraph 7#b7 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 such 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#b7 ,limitation ,information about a   
consumer's usage of any utility services
 provided by a utility or               
telecommunication firm may be furnished 
to a consumer reporting agency only to  
the extent that such information relates
 to payment by the consumer for the     
services of such 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#c7  
,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  7#d7 ,definitions 
,in this subsection1 the following      
definitions shall apply3  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  4  7b7 ,limitation on     
liability ,section #fbc7;c7 of the      
,consumer ,credit ,protection ,act 7#ae 
,u4,s4,c4 #afhas-#b7;c77 is amended--   
7#a7 in paragraph 7#b71 by striking or  
at the end2  7#b7 by redesignating      
paragraph 7#c7 as paragraph 7#d72 and   
7#c7 by inserting after paragraph 7#b7  
the following new paragraph3  7#c7      
subsection 7f7 of this section1         
including any regulations issued        
thereunder2 or  4