,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #abhf  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,febru>y #ad1         
#bjai,mr4 ,%]man 7= himself1 ,ms4       
,norton1 ,mr4 ,mc,govern1 ,mr4 ,kilm]1 &
 ,mr4 ,r\da7 introduc$ ! foll[+ bill2   
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to      
prohibit consum] cr$it report+ ag5cies &
 l5d]s f tak+ adv]se action aga9/ f$]al 
employees & contractors impact$ by !    
gov]nm5t %utd[n1 & = o!r purposes4  #a4 
,%ort title ,?is ,act may be cit$ z !   
,f$]al ,employee ,cr$it ,score          
,protection ,act ( #bjai4  #b4          
,prohibition on l[]+ ! cr$it scores (   
cov]$ individuals  7a7 ,9 g5]al ,! ,fair
 ,cr$it ,report+ ,act 7#ae ,u4,s4,c4    
#afha et seq47 is am5d$ by add+ at ! end
 ! foll[+ new sections3  #fcj4          
,prohibitions relat+ to cr$it scores    
dur+ a %utd[n  7a7 ,9 g5]al ,subject to 
subsection 7b71 a cov]$ entity may n l[]
 ! cr$it score ( a cov]$ individual :o  
fails to pay any qualifi$ exp5se or     

obligation dur+ ! p]iod beg9n+ on ! fir/
 day ( a %utd[n & end+ on ! date t is   
#fj days aft] ! date on :i* ! %utd[n    
ends1 if ! cov]$ individual pays !      
qualifi$ exp5se or obligation )9 su*    
p]iod4  7b7 ,requirem5ts & ,proc$ures   
7#a7 ,id5tification ,a cov]$ entity     
%all1 to ! ext5t practicable1 id5tify   
cov]$ individuals eligible "u subsection
 7a74  7#b7 ,assi/ance f ! ,(fice (     
,p]sonnel ,managem5t ,! ,director ( !   
,(fice ( ,p]sonnel ,managem5t %all1 to !
 ext5t practicable1 assi/ cov]$ entities
 9 id5tify+ cov]$ individuals4  7#c7    
,notification by individuals ,n lat] ?an
 #a ye> aft] ! date t is #fj days aft] !
 date on :i* a %utd[n ends1 a cov]$     
individual may notify a cov]$ entity t !
 cov]$ entity may n l[] ! cr$it score ( 
! cov]$ individual pursuant to          
subsection 7a71 & if su* cr$it score has
 be5 l[]$1 su* cov]$ individual may seek
 a rev]sal ( t action4  7c7             
,notification by entities ,a cov]$      
entity %all notify ! public-- 7#a7 ( !  

requirem5t describ$ "u subsection 7a72 &
  7#b7 h[ a cov]$ individual may-- 7,a7 
in=m ! entity ( ! eligibility ( !       
individual "u subsection 7a72 &  7,b7   
submit su* reasonable mat]ials deem$    
necess>y to confirm su* eligibility4    
7d7 ,duties ( consum] report+ ag5cies ,a
 consum] report+ ag5cy t receives a     
cr$ible notification t a cov]$          
individual is eligible "u subsection 7a7
 %all--  7#a7 notify cov]$ entities ( ! 
eligibility ( su* cov]$ individual2     
7#b7 to ! ext5t practicable1 in=m o!r   
consum] report+ ag5cies ( ! eligibility 
( su* cov]$ individual2 &  7#c7 9 ! ev5t
 ! cr$it score ( a cov]$ individual 0   
l[]$ prior to receipt ( su* cr$ible     
notification1 take all necess>y measures
 to rev]se t action & re/ore ! cr$it    
score ( ! cov]$ individual su* t x      
reflects ! cr$it score su* cov]$        
individual w\ld h receiv$ abs5t !       
consid]ation ( ! nonpaym5t ( a qualifi$ 
exp5se or obligation4  7e7 ,en=cem5t ,^u
 petition by a cov]$ individual1 !      

,bureau may-- 7#a7 require a cov]$      
entity to make appropriate adju/m5ts to 
! cr$it score ( ! cov]$ individual2 &   
7#b7 issue a f9e or take ano!r en=cem5t 
action1 z det]m9$ by ! ,bureau4  7f7    
,def9itions ,9 ?is section3  7#a7 ,cov]$
 entity ,! t]m cov]$ entity means an    
entity t develops a cr$it score4  7#b7  
,cov]$ individual ,! t]m cov]$          
individual means--  7,a7 an employee ( !
 ,f$]al ,gov]nm5t :o is furl\gh$ or     
except$ f furl\gh dur+ ! %utd[n2  7,b7 a
 ,f$]al contractor :o1 dur+ any lapse 9 
,f$]al appropriations1 is n receiv+ pay 
by reason ( su* lapse2 &  7,c7 a sp\se (
 an individual describ$ "u subp>agraph  
7,a7 or 7,b74  7#c7 ,cr$it score ,! t]m 
cr$it score has ! mean+ giv5 9 section  
#fji7;f77#b74  7#d7 ,qualifi$ exp5se or 
obligation ,! t]m qualifi$ exp5se or    
obligation means any paym5t1 includ+ a  
p>tial paym5t1 ( a cov]$ individual     
relat+ to a mortgage loan1 r5t1 cr$it   
c>ds1 m$ical exp5ses1 automobile        
pur*ases or leases1 /ud5t loans1        

insurance premiums1 utilities1 & o!r    
recurr+ paym5ts or exp5ses ord9>ily     
incurr$ by su* cov]$ individual 7z      
det]m9$ by ! ,bureau74  7#e7 ,%utd[n ,! 
t]m %utd[n means ! p]iod ( a lapse 9    
appropriations beg9n+ on or aft]        
,decemb] #bb1 #bjah1 & t ends be=e      
,octob] #a1 #bjai4  #fca4 ,prohibition  
on adv]se l5d+ det]m9ations = cov]$     
individuals  7a7 ,prohibition ,a cr$itor
 7z def9$ 9 section #ajc ( ! ,tru? 9    
,l5d+ ,act7 may n kn[+ly d5y cr$it1 or  
kn[+ly provide cr$it on less favorable  
t]ms ?an w\ld o!rwise be provid$1 to a  
cov]$ individual :o fails to pay any    
qualifi$ exp5se or obligation dur+ !    
p]iod beg9n+ on ! fir/ day ( a %utd[n & 
end+ on ! date t is #fj days aft] ! date
 on :i* ! %utd[n ends1 if ! cov]$       
individual pays ! qualifi$ exp5se or    
obligation )9 su* p]iod4  7b7 ,en=cem5t 
,! ,bureau may issue a f9e or take ano!r
 en=cem5t action1 z det]m9$ by !        
,bureau1 aga9/ a cr$itor t violates     
subsection 7a7 if ! ,bureau det]m9es by 

a prepond]ance ( ! evid5ce t ! fact t ! 
cov]$ individual fail$ to pay a qualifi$
 exp5se :ile n receiv+ pay by reason ( a
 lapse 9 ,f$]al appropriations1 or dur+ 
! #fj-;day p]iod imm$iately foll[+ su*  
lapse 9 ,f$]al appropriations1 0 a      
sub/antial factor 9 ! action tak5 by !  
cr$itor t violat$ subsection 7a74  7c7  
,def9itions ,! t]ms cov]$ individual1   
qualifi$ exp5se or obligation1 & %utd[n 
h ! mean+s giv5 ^? t]ms1 respectively1 9
 section #fca4  4  7b7 ,table ( cont5ts 
am5dm5t ,! table ( cont5ts ( ! ,fair    
,cr$it ,report+ ,act is am5d$ by add+ at
 ! end ! foll[+ new items3  #fcj4       
,prohibitions relat+ to cr$it scores    
dur+ a %utd[n4 #fca4 ,prohibition on    
adv]se l5d+ det]m9ations = cov]$        
individuals4  4