,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #chba  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #ah1 #bjai,mr4  
,mc,henry introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to make improvem5ts
 to ! regulation ( consum] report+      
ag5cies & protect consum]s1 & = o!r     
purposes4  #a4 ,cyb]security sup]vision 
& exam9ation ( l>ge consum] report+     
ag5cies  7a7 ,9 g5]al ,! ,fair ,cr$it   
,report+ ,act 7#ae ,u4,s4,c4 #afha et   
seq47 is am5d$ by add+ at ! end !       
foll[+3  #fcj4 ,cyb]security sup]vision 
& exam9ation ( l>ge consum] report+     
ag5cies  ,consum] report+ ag5cies       
describ$ "u section #fjc7p7 %all be     
subject to cyb]security sup]vision &    
exam9ation by ! ,bureau4  4  7b7        
,cl]ical am5dm5t ,! table ( cont5ts ( ! 
,fair ,cr$it ,report+ ,act is am5d$ by  
add+ at ! end ! foll[+3  #fcj4          
,cyb]security sup]vision & exam9ation ( 
l>ge consum] report+ ag5cies4  4  #b4   

,prohibition on ! use ( ,social         
,security numb]s  7a7 ,9 g5]al ,section 
#fje ( ! ,fair ,cr$it ,report+ ,act 7#ae
 ,u4,s4,c4 #afha;c7 is am5d$ by add+ at 
! end ! foll[+3  7i7 ,prohibition on !  
use ( social security numb]s ,a consum] 
report+ ag5cy describ$ "u section       
#fjc7p7-- 7#a7 may n make any consum]   
report conta9+ a social security numb]2 
&  7#b7 may n use ! social security     
numb] ( a consum] z a me?od to v]ify !  
consum]4  4  7b7 ,con=m+ am5dm5t        
,section #fji7;a77#a7 ( ! ,fair ,cr$it  
,report+ ,act 7#ae ,u4,s4,c4            
#afha;g7a77#a77 is am5d$ by /rik+ except
 t-- & all t foll[s ?r\gh 7,b7 no?+ &   
ins]t+ except t no?+4  7c7 ,effective   
date ,! am5dm5ts made by ?is section    
%all take effect on ,janu>y #a1 #bjbj4  
#c4 ,exclusion ( paid m$ical debt       
,section #fje7;a7 ( ! ,fair ,cr$it      
,report+ ,act 7#ae ,u4,s4,c4 #afha;c7a77
 is am5d$1 by add+ at ! end ! foll[+3   
7#i7 ,paid debt aris+ f ! receipt (     
m$ically necess>y1 non-elective m$ical  

s]vices1 products1 or devices :i* f !   
date ( paym5t1 ant$ate ! report by m ?an
 #a ye>4  4  #d4 ,security freezes =    
protect$ consum]s  7a7 ,placem5t (      
freeze ,section #fje;,a7j77#b77;,a7 ( ! 
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afha;c-#a7;j77#b77;,a77 is   
am5d$ to read z foll[s3  7,a7 ,9 g5]al  
,^u receiv+ a direct reque/ f a protect$
 consum]'s repres5tative1 by mail1      
toll-free telephone1 or secure          
electronic means1 t a consum] report+   
ag5cy place a security freeze1 & ^u     
receiv+ suffici5t pro( ( id5tification &
 suffici5t pro( ( au?ority1 ! consum]   
report+ ag5cy %all1 free ( *>ge1 place !
 security freeze n lat] ?an #c bus9ess  
days aft] receiv+ ! reque/ directly f ! 
protect$ consum]'s repres5tative4  4    
7b7 ,removal ( freeze ,section          
#fje;,a7j77#d7 ( ! ,fair ,cr$it ,report+
 ,act 7#ae ,u4,s4,c4 #afha;c-#a7;j77#d77
 is am5d$-- 7#a7 9 subp>agraph 7,a77i71 
by ins]t+ aft] ,^u ! direct reque/ !    
foll[+3 1 by mail or secure electronic  

means12  7#b7 9 subp>agraph 7,a77ii71 by
 ins]t+ aft] ,^u ! direct reque/ !      
foll[+3 1 by mail or secure electronic  
means12 &  7#c7 9 subp>agraph 7,c7--    
7,a7 by /rik+ n lat] ?an-- & ins]t+ ! n 
lat] ?an #c days bus9ess days aft]      
receiv+ ! reque/ directly f ! protect$  
consum] or protect$ consum]'s           
repres5tative42 &  7,b7 by /rik+ clauses
 7i7 & 7ii74  #e4 ,public record data   
s\rces 9 consum] reports ,section       
#fje7;d7 ( ! ,fair ,cr$it ,report+ ,act 
7#ae ,u4,s4,c4 #afha;c7d77 is am5d$ by  
add+ at ! end ! foll[+3  7#c7 ,public   
record data ,if a consum] report+ ag5cy 
furni%es a consum] report t conta9s     
public record data1 su* consum] report+ 
ag5cy %all include ! s\rce ( su* public 
record data 9 su* report4  4  #f4       
,prohibition on includ+ adv]se in=mation
 relat$ to pr$atory mortgage l5d+  7a7  
,9 g5]al ,! ,fair ,cr$it ,report+ ,act  
7#ae ,u4,s4,c4 #afha et seq47 is am5d$  
by ins]t+ aft] section #fje;,b ! foll[+3
  #fje;,c4 ,adv]se in=mation relat+ to  

pr$atory mortgage l5d+  7a7 ,9 g5]al ,a 
consum] report+ ag5cy may n furni% any  
consum] report conta9+ any adv]se item (
 in=mation relat+ to a cov]$ resid5tial 
mortgage loan 7includ+ ! orig9ation &   
s]vic+ ( su* a loan1 any loss mitigation
 activities relat$ to su* a loan1 & any 
=eclosure1 de$ 9 lieu ( =eclosure1 or   
%ort sale relat$ to su* a loan71 if !   
action or inaction to :i* ! item (      
in=mation relates--  7#a7 result$ f an  
unfair1 deceptive1 or abusive act or    
practice1 or a fraudul5t1 discrim9atory1
 or illegal activity ( a f9ancial       
in/itution1 z det]m9$ by a c\rt (       
compet5t jurisdiction2 or  7#b7 is      
relat$ to an unfair1 deceptive1 or      
abusive act or practice1 or a fraudul5t1
 discrim9atory1 or illegal activity ( a 
f9ancial in/itution t is ! subject ( a  
settlem5t agreem5t initiat$ on behalf ( 
a consum] & t is betwe5 ! f9ancial      
in/itution & an ag5cy or dep>tm5t ( a   
local1 ,/ate1 or ,f$]al ,gov]nm5t4  7b7 
,cov]$ resid5tial mortgage ,9 ?is       

section1 ! t]m #8cov]$ resid5tial       
mortgage loan' means any loan made      
prim>ily = p]sonal1 family1 or h\sehold 
use t is secur$ by a mortgage1 de$ (    
tru/1 or o!r equival5t cons5sual        
security int]e/ on a dwell+ 7z def9$ 9  
section #ajc7w7 ( ! ,tru? 9 ,l5d+ ,act71
 includ+ a loan 9 :i* ! proce$s w be us$
 =--  7#a7 a manufactur$ home 7z def9$ 9
 section #fjc ( ! ,h\s+ & ,community    
,developm5t ,act ( #aigd72  7#b7 any    
in/allm5t sales contract1 l& contract1  
or contract = de$ on a resid5tial       
prop]ty2 or  7#c7 a rev]se mortgage     
transaction 7z def9$ 9 section #ajc7;cc7
 ( ! ,tru? 9 ,l5d+ ,act74  4  7b7 ,table
 ( cont5ts am5dm5t ,! table ( cont5ts ( 
! ,fair ,cr$it ,report+ ,act is am5d$ by
 ins]t+ aft] ! item relat+ to section   
#fje;,b ! foll[+ new item3  #fje;,c4    
,adv]se in=mation relat+ to pr$atory    
mortgage l5d+4  4  #g4 ,prohibition on  
includ+ adv]se in=mation :5 f9ancial    
abuse has be5 det]m9$  7a7 ,9 g5]al ,!  
,fair ,cr$it ,report+ ,act 7#ae         

,u4,s4,c4 #afha et seq471 z am5d$ by    
section #f1 is fur!r am5d$ by ins]t+    
aft] section #fje;,c ! foll[+3  #fje;,d4
 ,adv]se in=mation 9 cases ( f9ancial   
abuse ,a consum] report+ ag5cy may n    
furni% a consum] report conta9+ any     
adv]se item ( in=mation ab\t a consum] t
 result$ f int5tionally abusive or      
h>mful f9ancial behavior if--  7#a7 a   
c\rt ( compet5t jurisdiction1 9 a       
lawsuit t is n a class action lawsuit1  
has det]m9$ t ! consum] is a victim (   
su* int5tionally abusive or h>mful      
f9ancial behavior2  7#b7 su*            
int5tionally abusive or h>mful f9ancial 
behavior 0 conduct$ by a sp\se1 family  
or h\sehold memb]1 c>egiv]1 or p]son )  
:om su* consum] _h a dat+ relation%ip2 &
  7#c7 su* consum] did n p>ticipate 9 or
 cons5t to su* behavior4  4  7b7 ,table 
( cont5ts am5dm5t ,! table ( cont5ts ( !
 ,fair ,cr$it ,report+ ,act is am5d$ by 
ins]t+ aft] ! item relat+ to section    
#fje;,c ! foll[+ new item3  #fje;,d4    
,adv]se in=mation 9 cases ( f9ancial    

abuse4  4  #h4 ,prohibition on includ+  
adv]se in=mation :5 a /ud5t obligor is  
defraud$  7a7 ,9 g5]al ,! ,fair ,cr$it  
,report+ ,act 7#ae ,u4,s4,c4 #afha et   
seq471 z am5d$ by section #g1 is fur!r  
am5d$ by ins]t+ aft] section #fje;,d !  
foll[+3  #fje;,e4 ,adv]se in=mation 9   
cases ( a defraud$ /ud5t obligor4  7b7  
,9 g5]al ,a consum] report+ ag5cy may n 
furni% a consum] report conta9+ any     
adv]se item ( in=mation ab\t a consum] t
 result$ f a private /ud5t loan         
obligation if--  7#a7 su* consum] is a  
/ud5t obligor ) respect to su* private  
education loan2 &  7#b7 a c\rt (        
compet5t jurisdiction1 9 a lawsuit t is 
n a class action lawsuit1 has det]m9$ t 
su* consum] is a victim ( fraud )       
respect to su* private education loan4  
7c7 ,private education loan def9$ ,= !  
purposes ( ?is section1 ! t]m private   
education loan has ! mean+ giv5 ! t]m 9 
section 9 section #adj7;a7 ( ! ,tru? 9  
,l5d+ ,act4  4  7b7 ,table ( cont5ts    
am5dm5t ,! table ( cont5ts ( ! ,fair    

,cr$it ,report+ ,act is am5d$ by ins]t+ 
aft] ! item relat+ to section #fje;,d ! 
foll[+ new item3  #fje;,e4 ,adv]se      
in=mation 9 cases ( a defraud$ /ud5t    
obligor4  4  #i4 ,bureau li/ ( cr$it    
report+ ag5cies ,! ,bureau ( ,consum]   
,f9ancial ,protection %all ma9ta9 a li/ 
( cr$it report+ ag5cies 9 ! ,unit$      
,/ates & publi% su* li/ ( ! website on !
 ,bureau ( ,consum] ,f9ancial           
,protection4  #aj4 ,/udy & report to    
,congress on use ( non-traditional data 
9 cr$it scor+  7a7 ,/udy ,! ,bureau (   
,consum] ,f9ancial ,protection %all c>ry
 out a /udy ab\t ! use ( non-traditional
 data--  7#a7 by consum] report+ ag5cies
 :5 compil+ & furni%+ consum] reports2 &
  7#b7 by p]sons t create1 ma9ta91 or   
pur*ase cr$it scor+ models us$ 9 mak+   
cr$it decisions4  7b7 ,report ,n lat]   
?an #ah mon?s aft] ! date ( ! enactm5t (
 ?is section1 ! ,bureau ( ,consum]      
,f9ancial ,protection %all issue a      
report to ! ,committee on ,f9ancial     
,s]vices ( ! ,h\se ( ,repres5tatives & !

 ,committee on ,bank+1 ,h\s+1 & ,urban  
,affairs ( ! ,s5ate conta9+ all f9d+s & 
det]m9ations1 includ+ any recomm5dations
 = any legislative or regulatory *anges1
 made 9 c>ry+ out ! /udy requir$ "u     
subsection 7a74  7c7 ,def9itions ,= !   
purposes ( ?is section1 ! t]ms consum]  
report+ ag5cy & consum] report %all h ! 
mean+s giv5 ! t]ms 9 section #fjc ( !   
,fair ,cr$it ,report+ ,act4