,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #ddhj  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #bd1        
#bjai,mr4 ,/eube 7= himself & ,mr4      
,hag$orn7 introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,small       
,bus9ess  ,a ,,bill  ,to am5d ! ,small  
,bus9ess ,act to require t cr$it report+
 companies provide c]ta9 protections to 
small bus9esses1 & = o!r purposes4  #a4 
,%ort title ,?is ,act may be cit$ z !   
,small ,bus9ess ,cr$it ,protection ,act 
( #bjai4  #b4 ,data brea*es  7a7 ,9     
g5]al ,! ,small ,bus9ess ,act 7#ae      
,u4,s4,c4 #fca et seq47 is am5d$--  7#a7
 by r$esignat+ section #di 7#ae         
,u4,s4,c4 #fca note7 z section #ej2 &   
7#b7 by ins]t+ aft] section #dh 7#ae    
,u4,s4,c4 #fegu7 ! foll[+ new section3  
#di4 ,data brea*es  7a7 ,def9ition ,9   
?is section-- 7#a7 ! t]m consum] report 
has ! mean+ giv5 ! t]m 9 section #fjc ( 
! ,fair ,cr$it ,report+ ,act 7#ae       
,u4,s4,c4 #afha;a72 &  7#b7 ! t]m cr$it 
report+ company-- 7,a7 has ! mean+ giv5 

! t]m consum] report+ ag5cy 9 section   
#fjc ( ! ,fair ,cr$it ,report+ ,act 7#ae
 ,u4,s4,c4 #afha;a72 &  7,b7 includes an
 entity t collects comm]cial cr$it data4
  7b7 ,requirem5ts = report+ brea*es    
7#a7 ,applicable /ate law  7,a7 ,9 g5]al
 ,except z provid$ 9 p>agraph 7#b71 if  
nonpublic data ( a small bus9ess conc]n 
t is collect$ or /or$ by a cr$it report+
 company has be5 brea*$1 ! cr$it report+
 company %all report ! brea* promptly & 
n lat] ?an z requir$ "u ! law ( ! ,/ate 
9 :i* ! small bus9ess conc]n is locat$4 
7,b7 ,locations 9 multiple /ates ,if a  
small bus9ess conc]n t is affect$ by a  
brea* describ$ 9 subp>agraph 7,a7 has   
locations 9 m ?an #a ,/ate1 = ! purposes
 ( t subp>agraph1 ! law ( ! ,/ate t     
imposes ! %orte/ p]iod = ! report+ ( !  
brea* %all apply4  7#b7 ,exception  7,a7
 ,9 g5]al ,if a small bus9ess conc]n t  
is affect$ by a brea* describ$ 9        
p>agraph 7#a77;,a7 is locat$ 9 a ,/ate t
 does n h a law t imposes a set p]iod = 
! report+ ( ! brea*1 ! cr$it report+    

company to :i* ! requirem5t "u t        
p>agraph applies %all report ! brea* 9 !
 mo/ exp$iti\s mann] practicable & )\t  
unreasonable delay4  7,b7 ,rule (       
con/ruction reg>d+ a law en=cem5t reque/
 ,= ! purposes ( subp>agraph 7,a71 a    
delay ) respect to ! report+ ( a brea*  
describ$ 9 t subp>agraph t is caus$ by a
 requirem5t to respond to a reque/      
submitt$ by a law en=cem5t ag5cy %all be
 con/ru$ to be a reasonable delay4  7c7 
,prohibition ,dur+ ! #ahj-;day p]iod    
beg9n+ on ! date on :i* a brea* describ$
 9 subsection 7b77#a77;,a7 occurs1 a    
cr$it report+ company may n *>ge a small
 bus9ess conc]n t is affect$ by t brea* 
= provid+ ! small bus9ess conc]n ) !    
consum] report ( ! small bus9ess conc]n4
  7d7 ,no preemption ,no?+ 9 ?is section
 %all preempt any ,/ate law ) respect to
 cr$it report+ companies4  4  7b7 ,,gao 
report  7#a7 ,def9itions ,9 ?is         
subsection1 ! t]m cr$it report+         
company--  7,a7 has ! mean+ giv5 ! t]m  
consum] report+ ag5cy 9 section #fjc ( !

 ,fair ,cr$it ,report+ ,act 7#ae        
,u4,s4,c4 #afha;a72 &  7,b7 includes an 
entity t collects comm]cial cr$it data4 
7#b7 ,report ,n lat] ?an #a ye> aft] !  
date ( enactm5t ( ?is ,act1 !           
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all submit to ,congress a report reg>d+
 ! economic h>m incurr$ by small bus9ess
 conc]ns z a result ( data brea*es at   
cr$it report+ companies4