,i #aafth ,,congress #b;d ,session ,h4 ,r4 #fcgj ,,in ,,the ,,house ,,of ,,representatives ,march #bc1 #bjbj,mr4 ,sherman introduced the following bill2 which was referred to the ,committee on ,financial ,services ,a ,,bill ,to amend the ,fair ,credit ,reporting ,act to provide for disaster protection for workers' credit4 #a4 ,short title ,this ,act may be cited as the ,disaster ,protection for ,workers' ,credit ,act4 #b4 ,purpose ,the purpose of this ,act1 and the amendments made by this ,act1 is to protect consumers' credit from negative impacts as a result of financial hardship due to the coronavirus disease 7,,covid-#ai7 outbreak and future major disasters4 #c4 ,reporting of information during major disasters 7a7 ,in general ,the ,fair ,credit ,reporting ,act is amended by inserting after section #fje;,b the following3 #fje;,c4 ,reporting of information during major disasters 7a7 ,definitions ,in this section3 7#a7 ,,covid-#ai emergency period ,the term ,,covid-#ai emergency period means the period beginning on the date of enactment of this section and ending on the later of-- 7,a7 #abj days after the date of enactment of this section2 or 7,b7 #abj days after the date of termination by the ,federal ,emergency ,management ,administration of the emergency declared on ,march #ac1 #bjbj1 by the ,president under the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #daba et seq47 relating to the ,coronavirus ,disease #bjai 7,,covid-#ai7 pandemic4 7#b7 ,covered major disaster period ,the term covered major disaster period means-- 7,a7 the period beginning on the date on which a major disaster is declared by the ,president under section #dja of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eagj71 under which assistance is authorized under section #djh of such ,act 7#db ,u4,s4,c4 #eagd71 and ending on the date that is #abj days after the end of the incident period designated in such declaration2 or 7,b7 the period ending #abj days after the date of termination by the ,federal ,emergency ,management ,administration of the emergency declared on ,march #ac1 #bjbj1 by the ,president under the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #daba et seq47 relating to the ,coronavirus ,disease #bjai 7,,covid-#ai7 pandemic4 7#c7 ,major disaster ,the term major disaster means a major disaster declared by the ,president under section #dja of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eagj71 under which assistance is authorized under section #djh of such ,act 7#db ,u4,s4,c4 #eagd74 7b7 ,moratorium on furnishing adverse information during ,,covid-#ai emergency period ,no person may furnish any adverse item of information 7except information related to a felony criminal conviction7 relating to a consumer that was the result of any action or inaction that occurred during the ,,covid-#ai emergency period4 7c7 ,moratorium on furnishing adverse information during covered major disaster period ,no person may furnish any adverse item of information 7except information related to a felony criminal conviction7 relating to a consumer that was the result of any action or inaction that occurred during a covered major disaster period if the consumer is a resident of the affected area covered by a declaration made by the ,president under section #dja of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eagj71 under which assistance is authorized under section #djh of such ,act 7#db ,u4,s4,c4 #eagd74 7d7 ,information excluded from consumer reports ,in addition to the information described in section #fje7;a71 no consumer reporting agency may make any consumer report containing an adverse item of information 7except information related to a felony criminal conviction7 reported relating to a consumer that was the result of any action or inaction that occurred during the ,,covid-#ai emergency period or a covered major disaster period1 and as applicable under subsection 7f77#c71 for #bgj days after the expiration of the applicable period4 7e7 ,summary of rights ,not later than #fj days after the date of enactment of this subsection1 the ,bureau shall update the model summary of rights under section #fji7;c77#a7 to include a description of the right of a consumer to-- 7#a7 request the deletion of adverse items of information under subsection 7f72 and 7#b7 request a consumer report or score1 without charge to the consumer1 under subsection 7g74 7f7 ,deletion of adverse items of information resulting from the coronavirus disease 7,,covid-#ai7 outbreak and major disasters 7#a7 ,reporting 7,a7 ,in general ,not later than #fj days after the date of enactment of this subsection1 the ,bureau shall create a website for consumers to report1 under penalty of perjury1 economic hardship as a result of the coronavirus disease 7,,covid-#ai7 outbreak or a major disaster 7if the consumer is a resident of the affected area covered by such major disaster7 for the purpose of extending credit report protection for an additional #bgj days after the end of the ,,covid-#ai emergency period or covered major disaster period1 as applicable4 7,b7 ,documentation ,the ,bureau shall-- 7i7 not require any documentation from a consumer to substantiate the economic hardship2 and 7ii7 provide notice to the consumer that a report under subparagraph 7,a7 is under penalty of perjury4 7,c7 ,reporting period ,a consumer may report economic hardship under subparagraph 7,a7 during the ,,covid-#ai emergency period or a covered major disaster period1 as applicable1 and for #fj days thereafter4 7#b7 ,database ,the ,bureau shall establish and maintain a secure database that-- 7,a7 is accessible to each consumer reporting agency described in section #fjc7p7 and nationwide specialty consumer reporting agency for purposes of fulfilling their duties under paragraph 7#c7 to check and automatically delete any adverse item of information 7except information related to a felony criminal conviction7 reported that occurred during the ,,covid-#ai emergency period or a covered major disaster period with respect to a consumer2 and 7,b7 contains the information reported under paragraph 7#a74 7#c7 ,deletion of adverse items of information by nationwide consumer reporting and nationwide specialty consumer reporting agencies 7,a7 ,in general ,each consumer reporting agency described in section #fjc7p7 and each nationwide specialty consumer reporting agency shall1 using the information contained in the database established under paragraph 7#b71 delete from the file of each consumer named in the database each adverse item of information 7except information related to a felony criminal conviction7 that was a result of an action or inaction that occurred during the ,,covid-#ai emergency period or a covered major disaster period up to #bgj days following the end of the such period4 7,b7 ,timeline ,each consumer reporting agency described in section #fjc7p7 and each nationwide specialty consumer reporting agency shall check the database at least weekly and delete adverse items of information as soon as practicable after information that is reported under paragraph 7#a7 appears in the database established under paragraph 7#b74 7#d7 ,request for deletion of adverse items of information 7,a7 ,in general ,a consumer who has filed a report of economic hardship with the ,bureau may submit a request1 without charge to the consumer1 to a consumer reporting agency to delete from the consumer's file an adverse item of information 7except information related to a felony criminal conviction7 that was a result of an action or inaction that occurred during the ,,covid-#ai emergency period or a covered major disaster period up to #bgj days following the end of the such period4 7,b7 ,timing ,a consumer may submit a request under subparagraph 7,a71 not later than #bgj-;day period described in that subparagraph4 7,c7 ,removal and notification ,upon receiving a request under this paragraph to delete an adverse item of information1 a consumer reporting agency shall-- 7i7 delete the adverse item of information 7except information related to a felony criminal conviction7 from the consumer's file2 and 7ii7 notify the consumer and the furnisher of the adverse item of information of the deletion4 7g7 ,free credit report and scores 7#a7 ,in general ,during the ,,covid-#ai emergency period or a covered major disaster period and ending #ab months after the expiration of the ,,covid-#ai emergency period or covered major disaster period1 as applicable1 each consumer reporting agency as described under #fjc7p7 and nationwide specialty consumer reporting agency shall make all disclosures described under section #fji upon request by a consumer1 by mail or online1 without charge to the consumer and without limitation as to the number of requests4 ,a consumer reporting agency shall also supply a consumer1 upon request and without charge1 with a credit score that-- 7,a7 is derived from a credit scoring model that is widely distributed to users by the consumer reporting agency for the purpose of any extension of credit or other transaction designated by the consumer who is requesting the credit score2 or 7,b7 is widely distributed to lenders of common consumer loan products and predicts the future credit behavior of the consumer4 7#b7 ,timing ,a file disclosure or credit score under paragraph 7#a7 shall be provided to the consumer not later than-- 7,a7 #g days after the date on which the request is received if the request is made by mail2 and 7,b7 not later than #ae minutes if the request is made online4 7#c7 ,additional reports ,a file disclosure provided under paragraph 7#a7 shall be in addition to any disclosure requested by the consumer under section #fab7;a74 7#d7 ,prohibition ,a consumer reporting agency that receives a request under paragraph 7#a7 may not request or require any documentation from the consumer that demonstrates that the consumer was impacted by the coronavirus disease 7,,covid-#ai7 outbreak or a major disaster 7except to verify that the consumer resides in an area covered by the major disaster7 as a condition of receiving the file disclosure or score4 7h7 ,posting of rights ,not later than #cj days after the date of enactment of this section1 each consumer reporting agency shall prominently post and maintain a direct link on the homepage of the public website of the consumer reporting agency information relating to the right of consumers to-- 7#a7 request the deletion of adverse items of information 7except information related to a felony criminal conviction7 under subsection 7f72 and 7#b7 request consumer file disclosures and scores1 without charge to the consumer1 under subsection 7g74 7i7 ,ban on reporting medical debt information related to ,,covid-#ai or a major disaster 7#a7 ,furnishing ban ,no person shall furnish adverse information to a consumer reporting agency related to medical debt if such medical debt is with respect to medical expenses related to treatments arising from ,,covid-#ai or a major disaster 7whether or not the expenses were incurred during the ,,covid-#ai emergency period or covered major disaster period74 7#b7 ,consumer report ban ,no consumer reporting agency may made a consumer report containing adverse information related to medical debt if such medical debt is with respect to medical expenses related to treatments arising from ,,covid-#ai or a major disaster 7whether or not the expenses were incurred during the ,,covid-#ai emergency period or covered major disaster period74 7j7 ,credit scoring models ,a person that creates and implements credit scoring models may not treat the absence1 omission1 or deletion of any information pursuant to this section as a negative factor or negative value in credit scoring models created or implemented by such person4 4 7b7 ,technical and conforming amendment ,the table of contents for the ,fair ,credit ,reporting ,act is amended by inserting after the item relating to section #fje;,b the following3 #fje;,c4 ,reporting of information during major disasters4 4 #d4 ,limitations on new credit scoring models during the ,,covid-#ai emergency and major disasters ,the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha et seq47 is amended-- 7#a7 by adding at the end the following3 #fcj4 ,limitations on new credit scoring models during the ,,covid-#ai emergency and major disasters ,with respect to a person that creates and implements credit scoring models1 such person may not1 during the ,,covid-#ai emergency period or a covered major disaster period 7as such terms are defined under section #fje;,c71 create or implement a new credit scoring model 7including a revision to an existing scoring model7 if the new credit scoring model would identify a significant percentage of consumers as being less creditworthy when compared to the previous credit scoring models created or implemented by such person4 2 and 7#b7 in the table of contents for such ,act1 by adding at the end the following new item3 #fcj4 ,limitations on new credit scoring models during major disasters4 4