,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #gii  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,janu>y #be1 #bjai,mr4
 ,meeks 7= himself1 ,mr4 ,bey]1 ,ms4    
,norton1 ,ms4 ,kelly ( ,ill9ois1 ,ms4   
,jackson ,lee1 ,mr4 ,langev91 ,mr4      
,ryan1 ,mr4 ,br[n ( ,m>yl&1 ,mr4 ,v>gas1
 ,mrs4 ,watson ,coleman1 ,mr4 ,gre5 (   
,texas1 ,ms4 ,wass]man ,s*ultz1 ,mr4    
,de,saulnier1 ,mr4 ,heck1 ,ms4          
,de,lauro1 ,mr4 ,quigley1 & ,mr4        
,p]lmutt]7 introduc$ ! foll[+ bill2 :i* 
0 ref]r$ to ! ,committee on ,f9ancial   
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to prohibit c]ta9  
p]sons f furni%+ negative cr$it         
in=mation ( furl\gh$ employees1 & = o!r 
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,f$]al ,work] ,cr$it       
,protection ,act ( #bjai4  #b4          
,prohibition on furni%+ negative cr$it  
in=mation ( furl\gh$ employees ,section 
#fbc7;a77#a7 ( ! ,fair ,cr$it ,report+  
,act 7#ae ,u4,s4,c4 #afhas-#b7;a77#a77  
is am5d$ by add+ at ! end ! foll[+ new  

subp>agraph3  7,f7 ,report+ in=mation ( 
furl\gh$ employees  7i7 ,9 g5]al        
,not)/&+ any o!r provision ( ?is section
 & ^u reque/ ( a furl\gh$ employee1 a   
p]son t furni%es in=mation to any       
consum] report+ ag5cy may n provide     
negative cr$it in=mation ( su* furl\gh$ 
employee to a consum] report+ ag5cy if !
 action or inaction to :i* su* negative 
cr$it in=mation relates orig9at$1 & 0   
rectifi$1 dur+ ! p]iod beg9n+ #cj days  
be=e a %utd[n & end+ #ij days aft] su*  
%utd[n4  7ii7 ,notification ,) respect  
to any negative cr$it in=mation describ$
 9 clause 7i7 & ^u reque/ ( ! furl\gh$  
employee to :i* su* negative cr$it      
in=mation relates1 a p]son t furni%es   
in=mation to any consum] report+ ag5cy  
%all notify a consum] report+ ag5cy t ! 
action or inaction to :i* su* negative  
cr$it in=mation relates occurr$ dur+ !  
p]iod describ$ 9 clause 7i74  7iii7     
,def9itions ,= purposes ( ?is           
subp>agraph-- 7,i7 ! t]m furl\gh$       
employee means--  7aa7 a ,f$]al or      

,di/rict ( ,columbia employee :o is     
furl\gh$ or except$ f furl\gh dur+ a    
%utd[n2 &  7bb7 a ,f$]al contractor :o1 
dur+ a %utd[n1 is n receiv+ pay by      
reason ( su* %utd[n2 &  7,,ii7 ! t]m    
%utd[n means any lapse 9 appropriations 
beg9n+ on or ab\t ,decemb] #bb1 #bjah4  
4