,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #efgg  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,janu>y #bd1 #bjbj,ms4
 ,sn*ez introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to provide         
protections = ext5d$ active duty uni=m$ 
consum]s1 & = o!r purposes4  #a4 ,%ort  
title ,?is ,act may be cit$ z ! ,fair   
,cr$it ,report+ = ,s]vicememb]s ,act4   
#b4 ,protections = active duty uni=m$   
consum]  7a7 ,def9itions ,section #fjc (
 ! ,fair ,cr$it ,report+ ,act 7#ae      
,u4,s4,c4 #afha;a7 is am5d$--  7#a7 9   
subsection 7q71 by am5d+ p>agraph 7#a7  
to read z foll[s3  7#a7 ,active duty    
uni=m$ consum] ,! t]m active duty uni=m$
 consum] means a consum] :o is--  7,a7 9
 milit>y s]vice & on active s]vice 7z   
def9$ 9 section #aja7;d7 ( title #aj1   
,unit$ ,/ates ,code72 or  7,b7 a memb] (
 ! uni=m$ s]vices 7z def9$ 9 section    
#aja7;a7 ( title #aj1 ,unit$ ,/ates     
,code7 :o is n a memb] ( ! arm$ =ces &  

is on active s]vice4  2 &  7#b7 by add+ 
at ! end ! foll[+3  7bb7 ,ext5d$ active 
duty uni=m$ consum] ,! t]m ext5d$ active
 duty uni=m$ consum] means an active    
duty uni=m$ consum] t is deploy$--  7#a7
 9 a combat zone 7z def9$ "u section    
#aab7;c7 ( ! ,int]nal ,rev5ue ,code (   
#aihf72 or  7#b7 abo>d a ,unit$ ,/ates  
vessel4  4  7b7 ,prohibition on includ+ 
c]ta9 adv]se in=mation 9 consum] reports
 ,section #fje ( ! ,fair ,cr$it ,report+
 ,act 7#ae ,u4,s4,c4 #afha;c7 is am5d$--
 7#a7 9 subsection 7a71 by add+ at ! end
 ! foll[+3  7#i7 ,any item ( adv]se     
in=mation ab\t a consum]1 if ! action or
 inaction t gave rise to ! item occurr$ 
:ile ! consum] 0 an ext5d$ active duty  
uni=m$ consum]4  2 &  7#b7 by add+ at ! 
end ! foll[+3  7i7 ,notice ( /atus z an 
ext5d$ active duty uni=m$ consum] ,)    
respect to an item ( adv]se in=mation   
ab\t a consum]1 if ! action or inaction 
t gave rise to ! item occurr$ :ile !    
consum] 0 an ext5d$ active duty uni=m$  
consum]1 ! consum] may provide          

appropriate pro(1 includ+ (ficial ord]s1
 to a consum] report+ ag5cy t ! consum] 
0 an ext5d$ active duty uni=m$ consum]  
at ! "t su* action or inaction occurr$4 
,! consum] report+ ag5cy %all promptly  
delete t item ( adv]se in=mation f !    
file ( ! consum] & notify ! consum] & ! 
furni%] ( ! in=mation ( ! deletion4  4  
7c7 ,communications betwe5 ! consum] &  
consum] report+ ag5cies ,section #fje;,a
 ( ! ,fair ,cr$it ,report+ ,act 7#ae    
,u4,s4,c4 #afha;c-#a7 is am5d$-- 7#a7 9 
subsection 7c7--  7,a7 by /rik+ ,^u &   
ins]t+ ! foll[+3  7#a7 ,9 g5]al ,^u  2  
7,b7 by r$esignat+ p>agraphs 7#a71 7#b71
 & 7#c7 z subp>agraphs 7,a71 7,b71 &    
7,c71 & mov+ su* r$esignat$ subp>agraphs
 #b ems to ! "r2 &  7,c7 by add+ at !   
end ! foll[+3  7#b7 ,negative in=mation 
al]t ,any "t a consum] report+ ag5cy    
receives an item ( adv]se in=mation ab\t
 a consum]1 if ! consum] has provid$    
appropriate pro( t ! consum] is an      
ext5d$ active duty uni=m$ consum]1 !    
consum] report+ ag5cy %all promptly     

notify ! consum]--  7,a7 t ! ag5cy has  
receiv$ su* item ( adv]se in=mation1    
along ) a description ( ! item2 &  7,b7 
! me?od by :i* ! consum] c dispute !    
validity ( ! item4  7#c7 ,contact       
in=mation = ext5d$ active duty uni=m$   
consum]s ,) respect to any consum] t has
 provid$ appropriate pro( to a consum]  
report+ ag5cy t ! consum] is an ext5d$  
active duty uni=m$ consum]1 if ! consum]
 provides ! consum] report+ ag5cy )     
sep>ate contact in=mation to be us$ :5  
communicat+ ) ! consum] :ile ! consum]  
is an ext5d$ active duty uni=m$ consum]1
 ! consum] report+ ag5cy %all use su*   
contact in=mation = all communications  
:ile ! consum] is an ext5d$ active duty 
uni=m$ consum]4  2 &  7#b7 9 subsection 
7e71 by am5d+ p>agraph 7#c7 to read z   
foll[s3  7#c7 subp>agraphs 7,a7 & 7,b7 (
 subsection 7c77#a71 9 ! case ( a       
ref]ral "u subsection 7c77#a77;,c74  4  
7d7 ,con=m+ am5dm5t ,! ,fair ,cr$it     
,report+ ,act 7#ae ,u4,s4,c4 #afha et   
seq47 is am5d$ by /rik+ active duty     

milit>y ea* place su* t]m appe>s &      
ins]t+ active duty uni=m$4  7e7 ,s5se ( 
,congress ,x is ! s5se ( ,congress t any
 p]son mak+ use ( a consum] report      
conta9+ an item ( adv]se in=mation %\ld1
 if ! action or inaction t gave rise to 
! item occurr$ :ile ! consum] 0 an      
ext5d$ active duty uni=m$ consum]1 take 
su* fact into acc\nt :5 evaluat+ !      
cr$itwor?9ess ( ! consum]4