,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #dbca  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #f1         
#bjai,mr4 ,hill ( ,arkansas introduc$ ! 
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to cl>ify ,f$]al law ) respect to 
report+ c]ta9 positive consum] cr$it    
in=mation to consum] report+ ag5cies1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,cr$it ,access &   
,inclusion ,act ( #bjai4  #b4 ,positive 
cr$it report+ p]mitt$  7a7 ,9 g5]al     
,section #fbc ( ! ,fair ,cr$it ,report+ 
,act 7#ae ,u4,s4,c4 #afhas-#b7 is am5d$ 
by add+ at ! end ! foll[+3  7f7         
,full-,file cr$it report+  7#a7         
,def9itions ,9 ?is subsection3 7,a7     
,en]gy utility firm ,! t]m en]gy utility
 firm means an entity t provides gas or 
electric utility s]vices to ! public4   
7,b7 ,utility or telecommunication firm 
,! t]m utility or telecommunication firm
 means an entity t provides utility     

s]vices to ! public ?r\gh pipe1 wire1   
l&l9e1 wireless1 cable1 or o!r connect$ 
facilities1 or radio1 electronic1 or    
simil> transmission 7includ+ ! ext5sion 
( su* facilities74  7#b7 ,in=mation     
relat+ to lease agreem5ts1 utilities1 & 
telecommunications s]vices ,subject to !
 limitation 9 p>agraph 7#c7 & not)/&+   
any o!r provision ( law1 a p]son or !   
,secret>y ( ,h\s+ & ,urban ,developm5t  
may furni% to a consum] report+ ag5cy   
in=mation relat+ to ! p]=mance ( a      
consum] 9 mak+ paym5ts--  7,a7 "u a     
lease agreem5t ) respect to a dwell+1   
includ+ su* a lease 9 :i* ! ,dep>tm5t ( 
,h\s+ & ,urban ,developm5t provides     
subsidiz$ paym5ts = occupancy 9 a       
dwell+2 or  7,b7 pursuant to a contract 
= a utility or telecommunications       
s]vice4  7#c7 ,limitation ,in=mation    
ab\t ! usage by a consum] ( any utility 
s]vice provid$ by a utility or          
telecommunication firm may be furni%$ to
 a consum] report+ ag5cy only to ! ext5t
 t ! in=mation relates to ! paym5t by ! 

consum] = ! s]vice ( ! utility or       
telecommunication s]vice or o!r t]ms ( !
 provision ( ! s]vices to ! consum]1    
includ+ any deposit1 disc\nt1 or        
conditions = int]ruption or t]m9ation ( 
! s]vice4  7#d7 ,paym5t plan ,an en]gy  
utility firm may n report paym5t        
in=mation to a consum] report+ ag5cy )  
respect to an out/&+ balance ( a consum]
 z late if--  7,a7 ! en]gy utility firm 
& ! consum] h ent]$ into a paym5t plan  
7includ+ a def]r$ paym5t agreem5t1 an   
arre>age managem5t program1 or a debt   
=giv5ess program7 ) respect to su*      
out/&+ balance2 &  7,b7 ! consum] is    
meet+ ! obligations ( ! paym5t plan1 z  
det]m9$ by ! en]gy utility firm4  4  7b7
 ,limitation on liability ,section      
#fbc7;c7 ( ! ,fair ,cr$it ,report+ ,act 
7#ae ,u4,s4,c4 #afhas-#b7;c77 is am5d$--
 7#a7 9 p>agraph 7#b71 by /rik+ or at ! 
end2  7#b7 by r$esignat+ p>agraph 7#c7 z
 p>agraph 7#d72 &  7#c7 by ins]t+ aft]  
p>agraph 7#b7 ! foll[+3  7#c7 subsection
 7f7 ( ?is section1 includ+ any         

regulations issu$ !reund]2 or  4  7c7   
,,gao /udy & report ,n lat] ?an #b ye>s 
aft] ! date ( ! enactm5t ( ?is ,act1 !  
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all submit to ,congress a report on !  
impact ( furni%+ in=mation pursuant to  
subsection 7f7 ( section #fbc ( ! ,fair 
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afhas-#b71 z add$ by subsection 7a7 (  
?is ,act1 on consum]s4