,i #aafth ,,congress #ast ,session ,h4 ,r4 #dcbh ,,in ,,the ,,house ,,of ,,representatives ,september #ac1 #bjai,ms4 ,waters 7for herself1 ,mr4 ,meeks1 ,mr4 ,sherman1 ,ms4 ,wexton1 and ,mr4 ,garca of ,illinois7 introduced the following bill2 which was referred to the ,committee on ,financial ,services ,a ,,bill ,to amend the ,fair ,credit ,reporting ,act to protect certain consumers affected by a shutdown1 and for other purposes4 #a4 ,short title ,this ,act may be cited as the ,protecting ,innocent ,consumers ,affected by a ,shutdown ,act4 #b4 ,definition of employee affected by a shutdown ,section #fjc of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;a71 as amended by section #cjb7;b77#a7 of the ,economic ,growth1 ,regulatory ,relief1 and ,consumer ,protection ,act 7,public ,law #aae-agd71 is amended by adding at the end the following3 7bb7 ,employee affected by a shutdown ,with respect to a shutdown1 the term employee affected by a shutdown means a consumer who-- 7#a7 is an employee of-- 7,a7 the ,federal ,government1 and who is furloughed or excepted from a furlough during the shutdown2 7,b7 the ,district of ,columbia1 and who is not receiving pay because of the shutdown2 or 7,c7 a ,federal contractor 7as defined under section #gaja of title #da1 ,united ,states ,code7 or other business1 and who has experienced a substantial reduction in pay 7directly or indirectly7 due to the shutdown2 and 7#b7 who-- 7,a7 is listed in the database established under section #fcj2 or 7,b7 has self-certified pursuant to such section4 7cc7 ,shutdown ,the term shutdown means any period in which there is more than a #bd-;hour lapse in appropriations as a result of a failure to enact a regular appropriations bill or continuing resolution4 7dd7 ,covered shutdown period ,the term covered shutdown period means1 with respect to a shutdown1 the period beginning on the first day of the shutdown and ending on the date that is #ij days after the last day of the shutdown4 4 #c4 ,exclusion for employees affected by a shutdown ,section #fje7;a7 of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;c7a771 as amended by section #cjb7;b77#b7 of the ,economic ,growth1 ,regulatory ,relief1 and ,consumer ,protection ,act 7,public ,law #aae-agd71 is amended by adding at the end the following3 7#i7 ,any adverse item of information with respect to an action or inaction taken during a covered shutdown period by an employee affected by a shutdown4 4 #d4 ,amendment to summary of rights for employees affected by a shutdown ,section #fji7;a7 of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;g7a77 is amended by adding at the end the following3 7#g7 ,information on the rights of an employee affected by a shutdown1 including which consumers may be an employee affected by a shutdown and the process for a consumer to self-certify as an employee affected by a shutdown under section #fcj4 4 #e4 ,database and self-certification for employees affected by a shutdown 7a7 ,in general ,the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha et seq47 is amended by adding at the end the following new section3 #fcj4 ,database and self-certification for employees affected by a shutdown 7a7 ,database 7#a7 ,in general ,with respect to each shutdown1 the consumer reporting agencies described in section #fjc7p7 shall jointly establish a database that includes employees affected by the shutdown as reported pursuant to paragraph 7#b74 7#b7 ,contents of database 7,a7 ,furloughed employees and contractors ,each authority of the executive1 legislative1 or judicial branch of the ,federal ,government or ,district of ,columbia shall provide to the consumer reporting agencies described in section #fjc7p7 a list identifying-- 7i7 employees of such authority that are furloughed1 excepted from furlough1 or not receiving pay because of a shutdown2 and 7ii7 to the extent practicable1 employees of contractors of such authority4 7,b7 ,self-certified consumers ,a consumer that self-certifies as an employee affected by a shutdown pursuant to subsection 7b7 shall be included in the database1 unless the ,bureau determines such consumer is not an employee affected by a shutdown4 7#c7 ,access to database ,the consumer reporting agencies described in section #fjc7p7 shall make the database established under this subsection available to the ,bureau1 other consumer reporting agencies1 furnishers of information to consumer reporting agencies1 and users of consumer reports4 ,a consumer reporting agency described in section #fjc7x7 shall periodically access the database to confirm the accuracy of information such an agency has that identifies a consumer as an employee affected by a shutdown4 7b7 ,self-,certification process ,a consumer shall be deemed to be an employee affected by a shutdown if such consumer self-certifies through-- 7#a7 the website established under subsection 7c72 or 7#b7 a toll-free telephone number established by a consumer reporting agency4 7c7 ,website ,the consumer reporting agencies described in section #fjc7p7 shall jointly establish a website for a consumer to self-certify as an employee affected by a shutdown4 ,such website may not include any advertisement or other solicitation4 4 7b7 ,table of contents amendment ,the table of contents of the ,fair ,credit ,reporting ,act is amended by adding at the end the following new item3 #fcj4 ,database and self-certification for employees affected by a shutdown4 4 #f4 ,prohibition on adverse actions against employees affected by a shutdown ,section #fjd of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;b7 is amended by adding at the end the following3 7h7 ,prohibition on adverse actions against employees affected by a shutdown ,if a user of a consumer report knows that a consumer is an employee affected by a shutdown1 such user may not take an adverse action based on-- 7#a7 any adverse item of information contained in such report with respect to an action or inaction taken during a covered shutdown period by the employee2 or 7#b7 information on the consumer included in the database established under section #fcj4 4 #g4 ,bureau regulations or guidance ,not later than #cj days after the date of the enactment of this ,act1 the ,bureau of ,consumer ,financial ,protection shall issue rules or guidance1 as appropriate1 to carry out the requirements of this ,act4