,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #bgec  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #ae1 #bjai,mrs4  
,beatty introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to require c]ta9   
consum] report+ ag5cies to include a    
cr$it score :5 provid+ consum]s ) a free
 annual consum] report4  #a4 ,%ort title
 ,?is ,act may be cit$ z ! ,free ,cr$it 
,score ,act ( #bjai4  #b4 ,inclusion (  
cr$it score ) free annual report ,!     
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afha et seq47 is am5d$--     
7#a7 9 section #fji7;a77#a77;,b71 by    
ins]t+ be=e ! p]iod ! foll[+3 1 except z
 requir$ "u section #fab7;a77#a77;,d72 &
  7#b7 9 section #fab7;a77#a71 by add+  
at ! end ! foll[+3  7,d7 ,inclusion (   
cr$it score  7i7 ,9 g5]al ,a consum]    
report+ ag5cy t provides a consum]      
report to a consum] pursuant to         
subp>agraph 7,a7 %all also provide su*  
consum] )--  7,i7 an explanation ( h[   

cr$it scores are calculat$1 includ+     
factors consid]$ 9 cr$it scor+          
calculations2 &  7,,ii7 a cr$it score 7z
 def9$ "u section #fji7;f774  7ii7      
,rulemak+ ,! ,bureau %all issue rules-- 
7,i7 to provide m9imum crit]ia =        
explanations describ$ "u clause 7i77,i72
 &  7,,ii7 to require a cr$it score     
provid$ by a consum] report+ ag5cy      
pursuant to clause 7i7 to be simil> to !
 types ( cr$it scores mo/ commonly us$  
by cr$itors4  4