,,iib  #aae? ,,congress  #b;d ,session  
,h4 ,r4 #dce  ,,9 ,,! ,,s5ate ,,( ,,!   
,,unit$ ,,/ates  ,june #bf1 #bjah       
,receiv$2 read twice & ref]r$ to !      
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,,an ,,act  ,to am5d ! ,fair  
,cr$it ,report+ ,act to cl>ify ,f$]al   
law ) respect to report+ c]ta9 positive 
consum] cr$it in=mation to consum]      
report+ ag5cies1 & = o!r purposes4  #a4 
,%ort title ,?is ,act may be cit$ z ! ,!
 ,cr$it ,access & ,inclusion ,act (     
#bjag4  #b4 ,positive cr$it report+     
p]mitt$  7a7 ,9 g5]al ,section #fbc ( ! 
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afhas-#b7 is am5d$ by add+ at
 ! end ! foll[+ new subsection3  7f7    
,full-,file cr$it report+  7#a7 ,9 g5]al
 ,subject to ! limitation 9 p>agraph    
7#b7 & not)/&+ any o!r provision ( law1 
a p]son or ! ,secret>y ( ,h\s+ & ,urban 
,developm5t may furni% to a consum]     
report+ ag5cy in=mation relat+ to !     
p]=mance ( a consum] 9 mak+ paym5ts--   
7,a7 "u a lease agreem5t ) respect to a 

dwell+1 includ+ su* a lease 9 :i* !     
,dep>tm5t ( ,h\s+ & ,urban ,developm5t  
provides subsidiz$ paym5ts = occupancy 9
 a dwell+2 or  7,b7 pursuant to a       
contract = a utility or                 
telecommunications s]vice4  7#b7        
,limitation ,in=mation ab\t a consum]'s 
usage ( any utility s]vices provid$ by a
 utility or telecommunication firm may  
be furni%$ to a consum] report+ ag5cy   
only to ! ext5t t su* in=mation relates 
to paym5t by ! consum] = ! s]vices ( su*
 utility or telecommunication s]vice or 
o!r t]ms ( ! provision ( ! s]vices to ! 
consum]1 includ+ any deposit1 disc\nt1  
or conditions = int]ruption or t]m9ation
 ( ! s]vices4  7#c7 ,paym5t plan ,an    
en]gy utility firm may n report paym5t  
in=mation to a consum] report+ ag5cy )  
respect to an out/&+ balance ( a consum]
 z late if--  7,a7 ! en]gy utility firm 
& ! consum] h ent]$ into a paym5t plan  
7includ+ a def]r$ paym5t agreem5t1 an   
arre>age managem5t program1 or a debt   
=giv5ess program7 ) respect to su*      

out/&+ balance2 &  7,b7 ! consum] is    
meet+ ! obligations ( ! paym5t plan1 z  
det]m9$ by ! en]gy utility firm4  7#d7  
,def9itions ,9 ?is subsection1 ! foll[+ 
def9itions %all apply3 7,a7 ,en]gy      
utility firm ,! t]m en]gy utility firm  
means an entity t provides gas or       
electric utility s]vices to ! public4   
7,b7 ,utility or telecommunication firm 
,! t]m utility or telecommunication firm
 means an entity t provides utility     
s]vices to ! public ?r\gh pipe1 wire1   
l&l9e1 wireless1 cable1 or o!r connect$ 
facilities1 or radio1 electronic1 or    
simil> transmission 7includ+ ! ext5sion 
( su* facilities74  4  7b7 ,limitation  
on liability ,section #fbc7;c7 ( !      
,consum] ,cr$it ,protection ,act 7#ae   
,u4,s4,c4 #afhas-#b7;c77 is am5d$-- 7#a7
 9 p>agraph 7#b71 by /rik+ or at ! end2 
7#b7 by r$esignat+ p>agraph 7#c7 z      
p>agraph 7#d72 &  7#c7 by ins]t+ aft]   
p>agraph 7#b7 ! foll[+ new p>agraph3    
7#c7 subsection 7f7 ( ?is section1      
includ+ any regulations issu$ !reund]2  

or  4  7c7 ,,gao /udy & report ,n lat]  
?an #b ye>s aft] ! date ( ! enactm5t (  
?is ,act1 ! ,comptroll] ,g5]al ( !      
,unit$ ,/ates %all submit to ,congress a
 report on ! impact ( furni%+ in=mation 
pursuant to subsection 7f7 ( section    
#fbc ( ! ,fair ,cr$it ,report+ ,act 7#ae
 ,u4,s4,c4 #afhas-#b7 7z add$ by ?is    
,act7 on consum]s4  ,pass$ ! ,h\se (    
,repres5tatives ,june #be1 #bjah4,k>5   
,l4 ,haas1,cl]k