,,ib  ,union ,cal5d> ,no4 #dbi  #aae?   
,,congress  #b;d ,session  ,h4 ,r4 #dce 
,report ,no4 #aae-efh  ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,janu>y #aa1 #bjag
 ,mr4 ,ellison 7= himself1 ,mr4         
,pitt5g]1 ,mrs4 ,c>olyn ,b4 ,maloney (  
,new ,york1 ,mr4 ,duffy1 ,mr4 ,al ,gre5 
( ,texas1 ,mr4 ,/iv]s1 ,mr4 ,meeks1     
,mrs4 ,love1 ,mr4 ,capuano1 ,mr4        
,r5acci1 ,ms4 ,moore1 ,mr4 ,jones1 ,mr4 
,cony]s1 ,mr4 ,grijalva1 & ,ms4         
,s*ak[sky7 introduc$ ! foll[+ bill2 :i* 
0 ref]r$ to ! ,committee on ,f9ancial   
,s]vices  ,febru>y #af1 #bjah           
,additional sponsors3 ,mr4 ,cri/1 ,mr4  
,coh51 ,mr4 ,gonzalez ( ,texas1 ,mr4    
,tipton1 ,mr4 ,b>r1 ,mr4 ,ross1 ,mr4    
,rask91 ,mr4 ,mc,nerney1 ,ms4 ,norton1  
,mr4 ,royce ( ,cali=nia1 ,ms4 ,blunt    
,ro*e/]1 ,ms4 ,eddie ,b]nice ,johnson ( 
,texas1 ,mr4 ,cicill9e1 ,mrs4 ,watson   
,coleman1 ,mr4 ,bi%op ( ,georgia1 & ,mr4
 ,mess]  ,febru>y #af1 #bjah ,report$ ) 
an am5dm5t1 committ$ to ! ,committee ( !
 ,:ole ,h\se on ! ,/ate ( ! ,union1 &   

ord]$ to be pr9t$ ,ins]t ! "p pr9t$ 9   
italic  ,a ,,bill  ,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  ,febru>y #af1 #bjah 
,report$ ) an am5dm5t1 committ$ to !    
,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union1 & ord]$ to be pr9t$