,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #chfb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #ai1 #bjai,mr4  
,coh5 introduc$ ! foll[+ bill2 :i* 0    
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to prohibit ! use (
 consum] cr$it *ecks aga9/ prospective &
 curr5t employees = ! purposes ( mak+   
adv]se employm5t decisions4  #a4 ,%ort  
title ,?is ,act may be cit$ z ! ,equal  
,employm5t = ,all ,act ( #bjai4  #b4    
,use ( cr$it *ecks prohibit$ = employm5t
 purposes ,section #fjd ( ! ,fair ,cr$it
 ,report+ ,act 7#ae ,u4,s4,c4 #afha;b7  
is am5d$--  7#a7 9 subsection           
7a77#c77;,b71 by ins]t+ 1 subject to !  
requirem5ts ( subsection 7b7 aft]       
purposes2 &  7#b7 9 subsection 7b7--    
7,a7 9 p>agraph 7#a7-- 7i7 by am5d+ !   
p>agraph head+ to read z foll[s3 ,use ( 
consum] reports = employm5t purposes2   
7ii7 9 subp>agraph 7,a71 by r$esignat+  
clauses 7i7 & 7ii7 z subclauses 7,i7 &  
7,,ii71 respectively1 & by mov+ su*     

subclauses two ems to ! "r2  7iii7 by   
r$esignat+ subp>agraphs 7,a7 & 7,b7 z   
clauses 7i7 & 7ii71 respectively1 & by  
mov+ su* clauses two ems to ! "r2  7iv7 
by /rik+ ! p]iod at ! end ( clause 7ii7 
7z s r$esignat$7 & ins]t+ 2 &2  7v7 by  
/rik+ ag5cy may furni% & ins]t+  ag5cy--
 7,a7 may furni%  2 &  7vi7 by add+ at !
 end ! foll[+ new subp>agraph3  7,b7    
except z provid$ 9 p>agraph 7#e71 may n 
furni% a consum] report ) respect to any
 consum] 9 :i* any in=mation conta9$ 9 !
 report be>s on ! consum]'s             
cr$itwor?9ess1 cr$it /&+1 or cr$it      
capacity to an employ] if ! employ]     
seeks to use su* in=mation 9 a d5ial (  
employm5t or any o!r decision made =    
employm5t purposes4  2 &  7,b7 by add+  
at ! end ! foll[+ new p>agraph3  7#e7   
,requirem5ts = consum] reports be>+ on !
 consum]'s cr$itwor?9ess1 cr$it /&+1 or 
cr$it capacity  7,a7 ,exceptions ,an    
employ] may use a consum] report )      
respect to any consum] 9 :i* any        
in=mation conta9$ 9 ! report be>s on !  

consum]'s cr$itwor?9ess1 cr$it /&+1 or  
cr$it capacity 9 a decision made =      
employm5t purposes or be=e tak+ an      
adv]se action = employm5t purposes only 
if ! consum] au?orizes ! procurem5t ( ! 
report z describ$ 9 p>agraph            
7#b77;,a77ii7 &--  7i7 ! consum] applies
 =1 or curr5tly holds1 employm5t t      
requires ! consum] to be eligible =     
access to classifi$ in=mation2 or  7ii7 
:5 o!rwise requir$ by law4  7,b7        
,limitation ,a p]son :o seeks to obta9  
or use a consum] report ) respect to any
 consum] 9 :i* any in=mation conta9$ 9 !
 report be>s on ! consum]'s             
cr$itwor?9ess1 cr$it /&+1 or cr$it      
capacity may n d5y employm5t to !       
consum] or make any o!r decision =      
employm5t purposes ) respect to !       
consum] because ! consum] has n au?oriz$
 ! procurem5t ( ! report z describ$ 9   
p>agraph 7#b77;,a77ii74  4