,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #fcgj  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #bc1 #bjbj,mr4   
,%]man introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to provide = disa/]
 protection = work]s' cr$it4  #a4 ,%ort 
title ,?is ,act may be cit$ z ! ,disa/] 
,protection = ,work]s' ,cr$it ,act4  #b4
 ,purpose ,! purpose ( ?is ,act1 & !    
am5dm5ts made by ?is ,act1 is to protect
 consum]s' cr$it f negative impacts z a 
result ( f9ancial h>d%ip due to !       
coronavirus disease 7,,covid-#ai7       
outbreak & future major disa/]s4  #c4   
,report+ ( in=mation dur+ major disa/]s 
7a7 ,9 g5]al ,! ,fair ,cr$it ,report+   
,act is am5d$ by ins]t+ aft] section    
#fje;,b ! foll[+3  #fje;,c4 ,report+ (  
in=mation dur+ major disa/]s  7a7       
,def9itions ,9 ?is section3 7#a7        
,,covid-#ai em]g5cy p]iod ,! t]m        
,,covid-#ai em]g5cy p]iod means ! p]iod 
beg9n+ on ! date ( enactm5t ( ?is       

section & end+ on ! lat] (-- 7,a7 #abj  
days aft] ! date ( enactm5t ( ?is       
section2 or  7,b7 #abj days aft] ! date 
( t]m9ation by ! ,f$]al ,em]g5cy        
,managem5t ,adm9i/ration ( ! em]g5cy    
decl>$ on ,m>* #ac1 #bjbj1 by !         
,presid5t "u ! ,rob]t ,t4 ,/af=d ,disa/]
 ,relief & ,em]g5cy ,assi/ance ,act 7#db
 ,u4,s4,c4 #daba et seq47 relat+ to !   
,coronavirus ,disease #bjai             
7,,covid-#ai7 p&emic4  7#b7 ,cov]$ major
 disa/] p]iod ,! t]m cov]$ major disa/] 
p]iod means-- 7,a7 ! p]iod beg9n+ on !  
date on :i* a major disa/] is decl>$ by 
! ,presid5t "u section #dja ( ! ,rob]t  
,t4 ,/af=d ,disa/] ,relief & ,em]g5cy   
,assi/ance ,act 7#db ,u4,s4,c4 #eagj71  
"u :i* assi/ance is au?oriz$ "u section 
#djh ( su* ,act 7#db ,u4,s4,c4 #eagd71 &
 end+ on ! date t is #abj days aft] !   
end ( ! incid5t p]iod designat$ 9 su*   
decl>ation2 or  7,b7 ! p]iod end+ #abj  
days aft] ! date ( t]m9ation by ! ,f$]al
 ,em]g5cy ,managem5t ,adm9i/ration ( !  
em]g5cy decl>$ on ,m>* #ac1 #bjbj1 by ! 

,presid5t "u ! ,rob]t ,t4 ,/af=d ,disa/]
 ,relief & ,em]g5cy ,assi/ance ,act 7#db
 ,u4,s4,c4 #daba et seq47 relat+ to !   
,coronavirus ,disease #bjai             
7,,covid-#ai7 p&emic4  7#c7 ,major      
disa/] ,! t]m major disa/] means a major
 disa/] decl>$ by ! ,presid5t "u section
 #dja ( ! ,rob]t ,t4 ,/af=d ,disa/]     
,relief & ,em]g5cy ,assi/ance ,act 7#db 
,u4,s4,c4 #eagj71 "u :i* assi/ance is   
au?oriz$ "u section #djh ( su* ,act 7#db
 ,u4,s4,c4 #eagd74  7b7 ,moratorium on  
furni%+ adv]se in=mation dur+           
,,covid-#ai em]g5cy p]iod ,no p]son may 
furni% any adv]se item ( in=mation      
7except in=mation relat$ to a felony    
crim9al conviction7 relat+ to a consum] 
t 0 ! result ( any action or inaction t 
occurr$ dur+ ! ,,covid-#ai em]g5cy      
p]iod4  7c7 ,moratorium on furni%+      
adv]se in=mation dur+ cov]$ major disa/]
 p]iod ,no p]son may furni% any adv]se  
item ( in=mation 7except in=mation      
relat$ to a felony crim9al conviction7  
relat+ to a consum] t 0 ! result ( any  

action or inaction t occurr$ dur+ a     
cov]$ major disa/] p]iod if ! consum] is
 a resid5t ( ! affect$ area cov]$ by a  
decl>ation made by ! ,presid5t "u       
section #dja ( ! ,rob]t ,t4 ,/af=d      
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eagj71 "u :i*      
assi/ance is au?oriz$ "u section #djh ( 
su* ,act 7#db ,u4,s4,c4 #eagd74  7d7    
,in=mation exclud$ f consum] reports ,9 
addition to ! in=mation describ$ 9      
section #fje7;a71 no consum] report+    
ag5cy may make any consum] report       
conta9+ an adv]se item ( in=mation      
7except in=mation relat$ to a felony    
crim9al conviction7 report$ relat+ to a 
consum] t 0 ! result ( any action or    
inaction t occurr$ dur+ ! ,,covid-#ai   
em]g5cy p]iod or a cov]$ major disa/]   
p]iod1 & z applicable "u subsection     
7f77#c71 = #bgj days aft] ! expiration (
 ! applicable p]iod4  7e7 ,summ>y (     
rights ,n lat] ?an #fj days aft] ! date 
( enactm5t ( ?is subsection1 ! ,bureau  
%all update ! model summ>y ( rights "u  

section #fji7;c77#a7 to include a       
description ( ! "r ( a consum] to-- 7#a7
 reque/ ! deletion ( adv]se items (     
in=mation "u subsection 7f72 &  7#b7    
reque/ a consum] report or score1 )\t   
*>ge to ! consum]1 "u subsection 7g74   
7f7 ,deletion ( adv]se items ( in=mation
 result+ f ! coronavirus disease        
7,,covid-#ai7 outbreak & major disa/]s  
7#a7 ,report+  7,a7 ,9 g5]al ,n lat] ?an
 #fj days aft] ! date ( enactm5t ( ?is  
subsection1 ! ,bureau %all create a     
website = consum]s to report1 "u p5alty 
( p]jury1 economic h>d%ip z a result ( !
 coronavirus disease 7,,covid-#ai7      
outbreak or a major disa/] 7if ! consum]
 is a resid5t ( ! affect$ area cov]$ by 
su* major disa/]7 = ! purpose ( ext5d+  
cr$it report protection = an additional 
#bgj days aft] ! end ( ! ,,covid-#ai    
em]g5cy p]iod or cov]$ major disa/]     
p]iod1 z applicable4  7,b7 ,docum5tation
 ,! ,bureau %all-- 7i7 n require any    
docum5tation f a consum] to sub/antiate 
! economic h>d%ip2 &  7ii7 provide      

notice to ! consum] t a report "u       
subp>agraph 7,a7 is "u p5alty ( p]jury4 
7,c7 ,report+ p]iod ,a consum] may      
report economic h>d%ip "u subp>agraph   
7,a7 dur+ ! ,,covid-#ai em]g5cy p]iod or
 a cov]$ major disa/] p]iod1 z          
applicable1 & = #fj days !reaft]4  7#b7 
,database ,! ,bureau %all e/abli% &     
ma9ta9 a secure database t-- 7,a7 is    
accessible to ea* consum] report+ ag5cy 
describ$ 9 section #fjc7p7 & nationwide 
specialty consum] report+ ag5cy =       
purposes ( fulfill+ _! duties "u        
p>agraph 7#c7 to *eck & automatically   
delete any adv]se item ( in=mation      
7except in=mation relat$ to a felony    
crim9al conviction7 report$ t occurr$   
dur+ ! ,,covid-#ai em]g5cy p]iod or a   
cov]$ major disa/] p]iod ) respect to a 
consum]2 &  7,b7 conta9s ! in=mation    
report$ "u p>agraph 7#a74  7#c7         
,deletion ( adv]se items ( in=mation by 
nationwide consum] report+ & nationwide 
specialty consum] report+ ag5cies  7,a7 
,9 g5]al ,ea* consum] report+ ag5cy     

describ$ 9 section #fjc7p7 & ea*        
nationwide specialty consum] report+    
ag5cy %all1 us+ ! in=mation conta9$ 9 ! 
database e/abli%$ "u p>agraph 7#b71     
delete f ! file ( ea* consum] nam$ 9 !  
database ea* adv]se item ( in=mation    
7except in=mation relat$ to a felony    
crim9al conviction7 t 0 a result ( an   
action or inaction t occurr$ dur+ !     
,,covid-#ai em]g5cy p]iod or a cov]$    
major disa/] p]iod up to #bgj days      
foll[+ ! end ( ! su* p]iod4  7,b7       
,timel9e ,ea* consum] report+ ag5cy     
describ$ 9 section #fjc7p7 & ea*        
nationwide specialty consum] report+    
ag5cy %all *eck ! database at lea/      
weekly & delete adv]se items ( in=mation
 z soon z practicable aft] in=mation t  
is report$ "u p>agraph 7#a7 appe>s 9 !  
database e/abli%$ "u p>agraph 7#b74     
7#d7 ,reque/ = deletion ( adv]se items (
 in=mation  7,a7 ,9 g5]al ,a consum] :o 
has fil$ a report ( economic h>d%ip ) ! 
,bureau may submit a reque/1 )\t *>ge to
 ! consum]1 to a consum] report+ ag5cy  

to delete f ! consum]'s file an adv]se  
item ( in=mation 7except in=mation      
relat$ to a felony crim9al conviction7 t
 0 a result ( an action or inaction t   
occurr$ dur+ ! ,,covid-#ai em]g5cy p]iod
 or a cov]$ major disa/] p]iod up to    
#bgj days foll[+ ! end ( ! su* p]iod4   
7,b7 ,tim+ ,a consum] may submit a      
reque/ "u subp>agraph 7,a71 n lat] ?an  
#bgj-;day p]iod describ$ 9 t            
subp>agraph4  7,c7 ,removal &           
notification ,^u receiv+ a reque/ "u ?is
 p>agraph to delete an adv]se item (    
in=mation1 a consum] report+ ag5cy      
%all-- 7i7 delete ! adv]se item (       
in=mation 7except in=mation relat$ to a 
felony crim9al conviction7 f ! consum]'s
 file2 &  7ii7 notify ! consum] & !     
furni%] ( ! adv]se item ( in=mation ( ! 
deletion4  7g7 ,free cr$it report &     
scores  7#a7 ,9 g5]al ,dur+ !           
,,covid-#ai em]g5cy p]iod or a cov]$    
major disa/] p]iod & end+ #ab mon?s aft]
 ! expiration ( ! ,,covid-#ai em]g5cy   
p]iod or cov]$ major disa/] p]iod1 z    

applicable1 ea* consum] report+ ag5cy z 
describ$ "u #fjc7p7 & nationwide        
specialty consum] report+ ag5cy %all    
make all disclosures describ$ "u section
 #fji ^u reque/ by a consum]1 by mail or
 onl9e1 )\t *>ge to ! consum] & )\t     
limitation z to ! numb] ( reque/s4 ,a   
consum] report+ ag5cy %all also supply a
 consum]1 ^u reque/ & )\t *>ge1 ) a     
cr$it score t-- 7,a7 is d]iv$ f a cr$it 
scor+ model t is widely di/ribut$ to    
us]s by ! consum] report+ ag5cy = !     
purpose ( any ext5sion ( cr$it or o!r   
transaction designat$ by ! consum] :o is
 reque/+ ! cr$it score2 or  7,b7 is     
widely di/ribut$ to l5d]s ( common      
consum] loan products & pr$icts ! future
 cr$it behavior ( ! consum]4  7#b7 ,tim+
 ,a file disclosure or cr$it score "u   
p>agraph 7#a7 %all be provid$ to !      
consum] n lat] ?an-- 7,a7 #g days aft] !
 date on :i* ! reque/ is receiv$ if !   
reque/ is made by mail2 &  7,b7 n lat]  
?an #ae m9utes if ! reque/ is made      
onl9e4  7#c7 ,additional reports ,a file

 disclosure provid$ "u p>agraph 7#a7    
%all be 9 addition to any disclosure    
reque/$ by ! consum] "u section         
#fab7;a74  7#d7 ,prohibition ,a consum] 
report+ ag5cy t receives a reque/ "u    
p>agraph 7#a7 may n reque/ or require   
any docum5tation f ! consum] t          
demon/rates t ! consum] 0 impact$ by !  
coronavirus disease 7,,covid-#ai7       
outbreak or a major disa/] 7except to   
v]ify t ! consum] resides 9 an area     
cov]$ by ! major disa/]7 z a condition (
 receiv+ ! file disclosure or score4    
7h7 ,po/+ ( rights ,n lat] ?an #cj days 
aft] ! date ( enactm5t ( ?is section1   
ea* consum] report+ ag5cy %all prom95tly
 po/ & ma9ta9 a direct l9k on ! homepage
 ( ! public website ( ! consum] report+ 
ag5cy in=mation relat+ to ! "r (        
consum]s to-- 7#a7 reque/ ! deletion (  
adv]se items ( in=mation 7except        
in=mation relat$ to a felony crim9al    
conviction7 "u subsection 7f72 &  7#b7  
reque/ consum] file disclosures &       
scores1 )\t *>ge to ! consum]1 "u       

subsection 7g74  7i7 ,ban on report+    
m$ical debt in=mation relat$ to         
,,covid-#ai or a major disa/]  7#a7     
,furni%+ ban ,no p]son %all furni%      
adv]se in=mation to a consum] report+   
ag5cy relat$ to m$ical debt if su*      
m$ical debt is ) respect to m$ical      
exp5ses relat$ to treatm5ts aris+ f     
,,covid-#ai or a major disa/] 7:e!r or n
 ! exp5ses 7 incurr$ dur+ ! ,,covid-#ai 
em]g5cy p]iod or cov]$ major disa/]     
p]iod74  7#b7 ,consum] report ban ,no   
consum] report+ ag5cy may made a consum]
 report conta9+ adv]se in=mation relat$ 
to m$ical debt if su* m$ical debt is )  
respect to m$ical exp5ses relat$ to     
treatm5ts aris+ f ,,covid-#ai or a major
 disa/] 7:e!r or n ! exp5ses 7 incurr$  
dur+ ! ,,covid-#ai em]g5cy p]iod or     
cov]$ major disa/] p]iod74  7j7 ,cr$it  
scor+ models ,a p]son t creates &       
implem5ts cr$it scor+ models may n treat
 ! abs5ce1 omission1 or deletion ( any  
in=mation pursuant to ?is section z a   
negative factor or negative value 9     

cr$it scor+ models creat$ or implem5t$  
by su* p]son4  4  7b7 ,te*nical & con=m+
 am5dm5t ,! table ( cont5ts = ! ,fair   
,cr$it ,report+ ,act is am5d$ by ins]t+ 
aft] ! item relat+ to section #fje;,b ! 
foll[+3  #fje;,c4 ,report+ ( in=mation  
dur+ major disa/]s4  4  #d4 ,limitations
 on new cr$it scor+ models dur+ !       
,,covid-#ai em]g5cy & major disa/]s ,!  
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afha et seq47 is am5d$-- 7#a7
 by add+ at ! end ! foll[+3  #fcj4      
,limitations on new cr$it scor+ models  
dur+ ! ,,covid-#ai em]g5cy & major      
disa/]s ,) respect to a p]son t creates 
& implem5ts cr$it scor+ models1 su*     
p]son may n1 dur+ ! ,,covid-#ai em]g5cy 
p]iod or a cov]$ major disa/] p]iod 7z  
su* t]ms are def9$ "u section #fje;,c71 
create or implem5t a new cr$it scor+    
model 7includ+ a revision to an exi/+   
scor+ model7 if ! new cr$it scor+ model 
w\ld id5tify a significant p]c5tage (   
consum]s z be+ less cr$itwor?y :5 comp>$
 to ! previ\s cr$it scor+ models creat$ 

or implem5t$ by su* p]son4  2 &  7#b7 9 
! table ( cont5ts = su* ,act1 by add+ at
 ! end ! foll[+ new item3  #fcj4        
,limitations on new cr$it scor+ models  
dur+ major disa/]s4  4