,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #fdac  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #bg1 #bjbj,mr4   
,murphy ( ,nor? ,c>ol9a introduc$ !     
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to prohibit consum] report+       
ag5cies f includ+ any adv]se item (     
in=mation on ! consum] report ( an      
individual ) respect to debt relat$ to a
 ,,covid-#ai relat$ illness1 & = o!r    
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,coronavirus ,cr$it ,lapse 
,=giv5ess ,act4  #b4 ,prohibitions      
relat+ to consum] report = individuals )
 a debt relat$ to a ,,covid-#ai relat$  
illness ,section #fje7;a7 ( ! ,fair     
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;c7a77 is am5d$ by add+ at ! end ! 
foll[+3  7#i7 ,any adv]se item (        
in=mation relat$ to a debt incurr$ be=e 
! end ( ! #a-ye> p]iod beg9n+ on ! date 
( ! enactm5t ( ?is p>agraph aris+ f a   
,,covid-#ai relat$ illness = an         

individual :o e>ns less ?an #ej1jjj a   
ye> 7or 9 ! case ( a c\ple t is m>ri$   
fil+ jo9tly less ?an #ge1jjj a ye>7--   
7,a7 if ! debt ant$ates ! report by less
 ?an #a-ye> & if ! consum] report+ ag5cy
 has actual k t ! debt arises f a       
,,covid-#ai relat$ illness2 or  7,b7 if 
! consum] report+ ag5cy has actual k t !
 debt is relat$ to a ,,covid-#ai relat$ 
illness & if su* debt is paid or settl$ 
be=e ! end ( ! #a-ye> p]iod beg9n+ on ! 
date su* debt 0 due4  4