,,ii  #aae? ,,congress  #b;d ,session   
,s4 #bcge  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,febru>y #e1 #bjah ,mr4
 ,br[n introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to all[ consum]s to prohibit c]ta9
 consum] report+ ag5cies f releas+ any  
in=mation 9 ! files ( ^? consum]s1 & =  
o!r purposes4  #a4 ,%ort title  ,?is    
,act may be cit$ z ! ,equifax ,consum]  
,protection & ,data ,emp[]m5t ,act (    
#bjah4  #b4 ,cr$it locks  7a7 ,9 g5]al  
,! ,fair ,cr$it ,report+ ,act 7#ae      
,u4,s4,c4 #afha et seq47 is am5d$ by    
ins]t+ aft] section #fje;,b 7#ae        
,u4,s4,c4 #afha;c-#b7 ! foll[+3         
#fje;,c4 ,protection ( cr$it in=mation (
 consum]s  7a7 ,secure1 conv5i5t1       
accessible1 & co/-,free file locks =    
consum]s  7#a7 ,9 g5]al ,subject to     
p>agraph 7#b71 ea* consum] report+ ag5cy
 describ$ 9 section #fjc7p7 %all provide
 to any consum] a secure1 conv5i5t1     

accessible1 & co/-free me?od t1 ) !     
express au?orization ( ! consum]1 all[s 
t consum] report+ ag5cy to release1 or  
prev5ts t consum] report+ ag5cy f       
releas+1 any in=mation 9 ! file ( !     
consum] = ! purpose (--  7,a7 ! m>ket+  
or ext5sion ( cr$it or insurance2 or    
7,b7 op5+ any f9ancial acc\nt4  7#b7    
,prohibitions ,) respect to ! me?od     
describ$ 9 p>agraph 7#a7--  7,a7 ! me?od
 may n be us$ by ! consum] report+ ag5cy
 t provides ! me?od1 or by any o!r      
p]son1 to collect any in=mation on a    
consum] t is n necess>y = ! purposes (  
prev5t+ ! release ( in=mation describ$ 9
 t p>agraph2  7,b7 no in=mation collect$
 "u ! me?od may be us$ = any purpose o!r
 ?an a purpose describ$ 9 subp>agraph   
7,a72  7,c7 9 (f]+ ! me?od1 a cr$it     
report+ ag5cy describ$ 9 section #fjc7p7
 may n require a consum] to--  7i7 waive
 any rights ( ! consum]2 or  7ii7       
indemnify ! cr$it report+ ag5cy )       
respect to any liabilities t arise f    
(f]+ ! me?od2 &  7,d7 ! me?od may n be  

us$ by any p]son to m>ket or adv]tise   
any product or s]vice4  7#c7 ,release ( 
in=mation ,no?+ 9 ?is subsection %all   
affect ! ability ( a p]son ) :om a      
consum] has an acc\nt1 contract1 or     
debtor-cr$itor relation%ip to obta9     
in=mation reg>d+ ! consum] = ! purposes 
( review+ ! acc\nt or collect+ on !     
acc\nt4  7b7 ,regulations ,n lat] ?an   
#ah mon?s aft] ! date ( enactm5t ( ?is  
section1 ! ,bureau %all prescribe       
regulations c>ry+ out ?is section4  4   
7b7 ,table ( cont5ts am5dm5t ,! table ( 
cont5ts = ! ,fair ,cr$it ,report+ ,act  
7#ae ,u4,s4,c4 #afha et seq47 is am5d$  
by ins]t+ aft] ! item relat+ to section 
#fje;,b ! foll[+3  #fje;,c4 ,protection 
( cr$it in=mation ( consum]s4  4  #c4   
,p]missible purposes ( cr$it reports2   
disclosure to consum]s  7a7 ,9 g5]al ,! 
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afha et seq47 is am5d$-- 7#a7
 9 section #fjd 7#ae ,u4,s4,c4          
#afha;b7--  7,a7 9 subsection 7a7-- 7i7 
9 ! matt] prec$+ p>agraph 7#a7--  7,i7  

by /rik+ ,subject to subsection 7c71 any
 & ins]t+ ,any2 &  7,,ii7 by /rik+ a    
consum] report & ins]t+ in=mation f !   
file ( a consum]2  7ii7 9 p>agraph      
7#c7-- 7,i7 by /rik+ subp>agraphs 7,a7 &
 7,c72  7,,ii7 by r$esignat+ subp>agraph
 7,b7 z subp>agraph 7,a72  7,,iii7 by   
r$esignat+ subp>agraphs 7,d7 ?r\gh 7,g7 
z subp>agraphs 7,b7 ?r\gh 7,e71         
respectively2 &  7,,iv7 9 subp>agraph   
7,d71 z s r$esignat$1 by /rik+          
in=mation-- & all t foll[s ?r\gh ! p]iod
 at ! end ( clause 7ii7 & ins]t+ !      
foll[+3 in=mation to review an acc\nt to
 det]m9e :e!r ! consum] cont9ues to meet
 ! t]ms ( ! acc\nt2 or2 &  7iii7 by add+
 at ! end ! foll[+3  7#g7 ,pursuant to !
 express au?orization ( a consum]1      
subject to ! me?od provid$ "u section   
#fje;,c7a7 9 ! case ( a consum] report+ 
ag5cy describ$ 9 section #fjc7p74  2    
7,b7 by /rik+ subsection 7c72 &  7,c7 by
 r$esignat+ subsections 7d7 ?r\gh 7g7 z 
subsections 7c7 ?r\gh 7f71 respectively2
  7#b7 9 section #fji7;a77#a7 7#ae      

,u4,s4,c4 #afha;g7a77#a771 by /rik+     
reque/1 except t-- & all t foll[s ?r\gh 
! p]iod at ! end ( subp>agraph 7,b7 &   
ins]t+ ! foll[+3 reque/1 )\t reg>d to   
:e!r ! in=mation is held by a p>5t1     
subsidi>y1 or affiliate ( ! consum]     
report+ ag5cy42  7#c7 9 section         
#fab7;a77#a77;,a7 7#ae ,u4,s4,c4        
#afha;j7a77#a77;,a771 by /rik+ once dur+
 any #ab-mon? p]iod2 &  7#d7 9 section  
#fae 7#ae ,u4,s4,c4 #afham7--  7,a7 by  
/rik+ subsection 7d72 &  7,b7 by        
r$esignat+ subsections 7e7 ?r\gh 7h7 z  
subsections 7d7 ?r\gh 7g71 respectively4
  7b7 ,regulations ,n lat] ?an #ah mon?s
 aft] ! date ( enactm5t ( ?is ,act1 !   
,bureau ( ,consum] ,f9ancial ,protection
 %all issue regulations c>ry+ out       
section #fji7;a77#a7 ( ! ,fair ,cr$it   
,report+ ,act 7#ae ,u4,s4,c4            
#afha;g7a77#a771 z am5d$ by subsection  
7a77#b74  7c7 ,te*nical & con=m+        
am5dm5ts  7#a7 ,consum] ,f9ancial       
,protection ,act ( #bjaj ,section       
#ajjb7ab77;,f7 ( ! ,consum] ,f9ancial   

,protection ,act ( #bjaj 7#ab ,u4,s4,c4 
#edha7ab77;,f77 is am5d$--  7,a7 by     
/rik+ #fae7;e7 & ins]t+ #fae7;d72 &     
7,b7 by /rik+ #afham7e7 & ins]t+        
#afham7d74  7#b7 ,fair ,cr$it ,report+  
,act ,! ,fair ,cr$it ,report+ ,act 7#ae 
,u4,s4,c4 #afha et seq47 is am5d$-- 7,a7
 9 section #fjc 7#ae ,u4,s4,c4          
#afha;a7--  7i7 9 subsection 7d77#c71 9 
! matt] prec$+ subp>agraph 7,a71 by     
/rik+ section #fjd7;g77#c7 & ins]t+     
section #fjd7;f77#c72 &  7ii7 9         
subsection 7k77#a77;,b7--  7,i7 9 clause
 7iii71 by /rik+ section                
#fjd7;a77#c77;,d7 & ins]t+ section      
#fjd7;a77#c77;,b72 &  7,,ii7 9 clause   
7iv77,i71 by /rik+ section              
#fjd7;a77#c77;,f77ii7 & ins]t+ section  
#fjd7;a77#c77;,d72  7,b7 9 section #fba 
7#ae ,u4,s4,c4 #afhas7-- 7i7 9          
subsection 7b77#a71 9 ! matt] prec$+    
subp>agraph 7,a71 by /rik+ p]sons :o    
furni% in=mation to su* ag5cies1 & us]s 
( in=mation t are subject to section    
#fae7;d7 & ins]t+ & p]sons :o furni%    

in=mation to su* ag5cies2 &  7ii7 9     
subsection 7e77#a71 9 ! fir/ s5t5ce1 by 
/rik+ #fae7;e7 & ins]t+ #fae7;d72  7,c7 
9 section #fbc7;c77#c7 7#ae ,u4,s4,c4   
#afhas-#b7;c77#c771 by /rik+ subsection 
7e7 & ins]t+ subsection 7d72 &  7,d7 9  
section #fbe7;b7 7#ae ,u4,s4,c4         
#afhat7b77-- 7i7 9 p>agraph 7#a7--  7,i7
 9 subp>agraph 7,a71 by /rik+ subsection
 7c7 or 7e7 ( section #fjd & ins]t+     
section #fjd7;d72  7,,ii7 by /rik+      
subp>agraph 7,d72  7,,iii7 by r$esignat+
 subp>agraphs 7,e7 ?r\gh 7,i7 z         
subp>agraphs 7,d7 ?r\gh 7,h71           
respectively2 &  7,,iv7 9 subp>agraph   
7,h71 z s r$esignat$1 by /rik+ section  
#fae7;h7 & ins]t+ section #fae7;g72 &   
7ii7 9 p>agraph 7#e77;,f71 by /rik+ 7e71
 7f71 & 7g7 & ins]t+ 7d71 7e71 & 7f74   
#d4 ,enhancem5t ( fraud al]t protections
  7a7 ,9 g5]al ,section #fje;,a ( !     
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afha;c-#a7 is am5d$--  7#a7  
by /rik+ subsection 7a72  7#b7 by       
r$esignat+ subsections 7b7 ?r\gh 7h7 z  

subsections 7a7 ?r\gh 7g71 respectively2
  7#c7 9 subsection 7a71 z s            
r$esignat$-- 7,a7 9 ! subsection head+1 
by /rik+ ,ext5d$ & ins]t+ ,fraud2 &     
7,b7 9 p>agraph 7#a7-- 7i7 9 ! matt]    
prec$+ subp>agraph 7,a71 by /rik+       
submits an id5tity !ft report & ins]t+  
ass]ts 9 good fai? a suspicion t !      
consum] has be5 or is ab\t to become a  
victim ( fraud or relat$ crime1 includ+ 
id5tity !ft1 or has be5 or w be h>m$ by 
! unau?oriz$ disclosure ( ! f9ancial or 
p]sonally id5tifiable in=mation ( !     
consum]12  7ii7 9 subp>agraph 7,a71 by  
/rik+ #g-ye> & ins]t+ #aj-ye>2  7iii7 by
 /rik+ subp>agraph 7,b72  7iv7 by       
r$esignat+ subp>agraph 7,c7 z           
subp>agraph 7,b72  7v7 9 subp>agraph    
7,b71 z s r$esignat$--  7,i7 by /rik+   
ext5d$2 &  7,,ii7 by /rik+ ! p]iod at ! 
end & ins]t+ 2 &2 &  7vi7 by add+ at !  
end ! foll[+3  7,c7 ^u ! expiration ( ! 
p]iod describ$ 9 subp>agraph 7,a71 or a 
subsequ5t #aj-ye> p]iod1 & 9 response to
 a direct reque/ by ! consum] or su*    

repres5tative1 cont9ue ! fraud al]t = an
 additional p]iod ( #aj ye>s if !       
consum] or su* repres5tative submits an 
id5tity !ft report4  2  7#d7 9          
subsection 7b71 z s r$esignat$-- 7,a7 by
 /rik+ p>agraph 7#b72  7,b7 by          
r$esignat+ p>agraphs 7#a7 & 7#c7 z      
subp>agraphs 7,a7 & 7,b71 respectively1 
& adju/+ ! m>g9s accord+ly2  7,c7 9 !   
matt] prec$+ subp>agraph 7,a71 z s      
r$esignat$1 by /rik+ ,^u ! direct reque/
 & ins]t+ ! foll[+3  7#a7 ,9 g5]al ,^u !
 direct reque/  2 &  7,d7 by add+ at !  
end ! foll[+3  7#b7 ,access to free     
reports ,if a consum] report+ ag5cy     
includes an active duty al]t 9 ! file ( 
an active duty milit>y consum]1 !       
consum] report+ ag5cy %all--  7,a7      
disclose to ! active duty milit>y       
consum] t ! active duty milit>y consum] 
may reque/ a free copy ( ! file ( !     
active duty milit>y consum] "u section  
#fab7;d7 dur+ ea* #a-ye> p]iod beg9n+ on
 ! date on :i* ! activity duty milit>y  
al]t is reque/$ & end+ on ! date ( ! la/

 day t ! active duty al]t applies to !  
file ( ! active duty milit>y consum]2 & 
7,b7 n lat] ?an #c bus9ess days aft] !  
date on :i* ! active duty milit>y       
consum] makes a reque/ describ$ 9       
subp>agraph 7,a71 provide to ! active   
duty milit>y consum] all disclosures    
requir$ to be made "u section #fji1 )\t 
*>ge to ! active duty milit>y consum]4  
2  7#e7 by am5d+ subsection 7c71 z s    
r$esignat$1 to read z foll[s3  7c7      
,proc$ures ,ea* consum] report+ ag5cy   
describ$ 9 section #fjc7p7 %all e/abli% 
& make available to ! public on !       
,int]net website ( ! consum] report+    
ag5cy policies & proc$ures to comply )  
?is section1 includ+ policies &         
proc$ures--  7#a7 t in=m consum]s ( !   
availability ( fraud al]ts1 active duty 
al]ts1 or ! me?od provid$ "u section    
#fje;,c7a71 z applicable2  7#b7 t all[  
consum]s to reque/ fraud al]ts & active 
duty al]ts 9 a simple & easy mann]2 &   
7#c7 = ass]t+ 9 good fai? a suspicion t 
! consum] has be5 or is ab\t to become a

 victim ( fraud or relat$ crime1 includ+
 id5tity !ft1 or has be5 or w be h>m$ by
 ! unau?oriz$ disclosure ( ! f9ancial or
 p]sonally id5tifiable in=mation ( !    
consum]1 = a consum] reque/+ a fraud    
al]t4  2  7#f7 9 subsection 7d71 z s    
r$esignat$1 by /rik+ p>agraphs 7#a71    
7#b71 & 7#c7 & ins]t+ ! foll[+3  7#a7   
p>agraphs 7#a77;,a71 7#a77;,c71 & 7#b7 (
 subsection 7a71 9 ! case ( a ref]ral "u
 subsection 7a77#a77;,b72 &  7#b7       
subsection 7b77#a77;,a71 9 ! case ( a   
ref]ral "u subsection 7b77#a77;,b74  2  
7#g7 9 subsection 7f71 z s r$esignat$1  
by ins]t+ #8#8or has be5 or w be h>m$ by
 ! unau?oriz$ disclosure ( ! f9ancial or
 p]sonally id5tifiable in=mation ( !    
consum]1'' aft] id5tity !ft12 &  7#h7 9 
subsection 7g71 z s r$esignat$-- 7,a7 9 
p>agraph 7#a7--  7i7 9 ! p>agraph head+1
 by /rik+ initial & ins]t+ fraud al]ts2 
7ii7 9 subp>agraph 7,a71 by /rik+       
initial2 &  7iii7 9 subp>agraph 7,b77i71
 by /rik+ an initial & ins]t+ a2 &  7,b7
 9 p>agraph 7#b7--  7i7 9 ! p>agraph    

head+1 by /rik+ ext5d$ & ins]t+ fraud2  
7ii7 9 subp>agraph 7,a71 9 ! matt]      
prec$+ clause 7i71 by /rik+ ext5d$ &    
ins]t+ fraud2 &  7iii7 9 subp>agraph    
7,b71 by /rik+ an ext5d$ & ins]t+ a4    
7b7 ,te*nical & con=m+ am5dm5t ,section 
#fab7;d7 ( ! ,fair ,cr$it ,report+ ,act 
7#ae ,u4,s4,c4 #afha;j7d77 is am5d$ by  
/rik+ subsections 7a77#b7 & 7b77#b7 (   
section #fje;,a1 z applicable & ins]t+  
section #fje;,a7a77#b74