,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #efgg  ,,in ,,the ,,house ,,of  
,,representatives  ,january #bd1        
#bjbj,ms4 ,snchez introduced the        
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to amend the ,fair ,credit  
,reporting ,act to provide protections  
for extended active duty uniformed      
consumers1 and for other purposes4  #a4 
,short title ,this ,act may be cited as 
the ,fair ,credit ,reporting for        
,servicemembers ,act4  #b4 ,protections 
for active duty uniformed consumer  7a7 
,definitions ,section #fjc of the ,fair 
,credit ,reporting ,act 7#ae ,u4,s4,c4  
#afha;a7 is amended--  7#a7 in          
subsection 7q71 by amending paragraph   
7#a7 to read as follows3  7#a7 ,active  
duty uniformed consumer ,the term active
 duty uniformed consumer means a        
consumer who is--  7,a7 in military     
service and on active service 7as       
defined in section #aja7;d7 of title    
#aj1 ,united ,states ,code72 or  7,b7 a 

member of the uniformed services 7as    
defined in section #aja7;a7 of title    
#aj1 ,united ,states ,code7 who is not a
 member of the armed forces and is on   
active service4  2 and  7#b7 by adding  
at the end the following3  7bb7         
,extended active duty uniformed consumer
 ,the term extended active duty         
uniformed consumer means an active duty 
uniformed consumer that is deployed--   
7#a7 in a combat zone 7as defined under 
section #aab7;c7 of the ,internal       
,revenue ,code of #aihf72 or  7#b7      
aboard a ,united ,states vessel4  4  7b7
 ,prohibition on including certain      
adverse information in consumer reports 
,section #fje of the ,fair ,credit      
,reporting ,act 7#ae ,u4,s4,c4 #afha;c7 
is amended-- 7#a7 in subsection 7a71 by 
adding at the end the following3  7#i7  
,any item of adverse information about a
 consumer1 if the action or inaction    
that gave rise to the item occurred     
while the consumer was an extended      
active duty uniformed consumer4  2 and  

7#b7 by adding at the end the following3
  7i7 ,notice of status as an extended  
active duty uniformed consumer ,with    
respect to an item of adverse           
information about a consumer1 if the    
action or inaction that gave rise to the
 item occurred while the consumer was an
 extended active duty uniformed         
consumer1 the consumer may provide      
appropriate proof1 including official   
orders1 to a consumer reporting agency  
that the consumer was an extended active
 duty uniformed consumer at the time    
such action or inaction occurred4 ,the  
consumer reporting agency shall promptly
 delete that item of adverse information
 from the file of the consumer and      
notify the consumer and the furnisher of
 the information of the deletion4  4    
7c7 ,communications between the consumer
 and consumer reporting agencies        
,section #fje;,a of the ,fair ,credit   
,reporting ,act 7#ae ,u4,s4,c4          
#afha;c-#a7 is amended-- 7#a7 in        
subsection 7c7--  7,a7 by striking ,upon

 and inserting the following3  7#a7 ,in 
general ,upon  2  7,b7 by redesignating 
paragraphs 7#a71 7#b71 and 7#c7 as      
subparagraphs 7,a71 7,b71 and 7,c71 and 
moving such redesignated subparagraphs  
#b ems to the right2 and  7,c7 by adding
 at the end the following3  7#b7        
,negative information alert ,any time a 
consumer reporting agency receives an   
item of adverse information about a     
consumer1 if the consumer has provided  
appropriate proof that the consumer is  
an extended active duty uniformed       
consumer1 the consumer reporting agency 
shall promptly notify the consumer--    
7,a7 that the agency has received such  
item of adverse information1 along with 
a description of the item2 and  7,b7 the
 method by which the consumer can       
dispute the validity of the item4  7#c7 
,contact information for extended active
 duty uniformed consumers ,with respect 
to any consumer that has provided       
appropriate proof to a consumer         
reporting agency that the consumer is an

 extended active duty uniformed         
consumer1 if the consumer provides the  
consumer reporting agency with separate 
contact information to be used when     
communicating with the consumer while   
the consumer is an extended active duty 
uniformed consumer1 the consumer        
reporting agency shall use such contact 
information for all communications while
 the consumer is an extended active duty
 uniformed consumer4  2 and  7#b7 in    
subsection 7e71 by amending paragraph   
7#c7 to read as follows3  7#c7          
subparagraphs 7,a7 and 7,b7 of          
subsection 7c77#a71 in the case of a    
referral under subsection 7c77#a77;,c74 
4  7d7 ,conforming amendment ,the ,fair 
,credit ,reporting ,act 7#ae ,u4,s4,c4  
#afha et seq47 is amended by striking   
active duty military each place such    
term appears and inserting active duty  
uniformed4  7e7 ,sense of ,congress ,it 
is the sense of ,congress that any      
person making use of a consumer report  
containing an item of adverse           

information should1 if the action or    
inaction that gave rise to the item     
occurred while the consumer was an      
extended active duty uniformed consumer1
 take such fact into account when       
evaluating the creditworthiness of the  
consumer4