,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #fdac  ,,in ,,the ,,house ,,of  
,,representatives  ,march #bg1 #bjbj,mr4
 ,murphy of ,north ,carolina introduced 
the following bill2 which was referred  
to the ,committee on ,financial         
,services  ,a ,,bill  ,to amend the     
,fair ,credit ,reporting ,act to        
prohibit consumer reporting agencies    
from including any adverse item of      
information on the consumer report of an
 individual with respect to debt related
 to a ,,covid-#ai related illness1 and  
for other purposes4  #a4 ,short title   
,this ,act may be cited as the          
,coronavirus ,credit ,lapse ,forgiveness
 ,act4  #b4 ,prohibitions relating to   
consumer report for individuals with a  
debt related to a ,,covid-#ai related   
illness ,section #fje7;a7 of the ,fair  
,credit ,reporting ,act 7#ae ,u4,s4,c4  
#afha;c7a77 is amended by adding at the 
end the following3  7#i7 ,any adverse   
item of information related to a debt   
incurred before the end of the #a-year  

period beginning on the date of the     
enactment of this paragraph arising from
 a ,,covid-#ai related illness for an   
individual who earns less than #ej1jjj a
 year 7or in the case of a couple that  
is married filing jointly less than     
#ge1jjj a year7-- 7,a7 if the debt      
antedates the report by less than       
#a-year and if the consumer reporting   
agency has actual knowledge that the    
debt arises from a ,,covid-#ai related  
illness2 or  7,b7 if the consumer       
reporting agency has actual knowledge   
that the debt is related to a           
,,covid-#ai related illness and if such 
debt is paid or settled before the end  
of the #a-year period beginning on the  
date such debt was due4  4