,,ii  #aafth ,,congress  #ast ,session  
,s4 #ahbh  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,june #ac1     
#bjai,mr4 ,scott of ,south ,carolina    
7for himself1 ,mr4 ,manchin1 ,mr4       
,cotton1 ,mr4 ,jones1 ,mr4 ,rounds1 ,mr4
 ,king1 and ,mr4 ,tester7 introduced the
 following bill2 which was read twice   
and referred to the ,committee on       
,banking1 ,housing1 and ,urban ,affairs 
,a ,,bill  ,to amend the ,fair ,credit  
,reporting ,act to clarify ,federal law 
with respect to reporting certain       
positive consumer credit information to 
consumer reporting agencies1 and for    
other purposes4  #a4 ,short title ,this 
,act may be cited as the ,credit ,access
 and ,inclusion ,act of #bjai4  #b4     
,positive credit reporting permitted    
7a7 ,in general ,section #fbc of the    
,fair ,credit ,reporting ,act 7#ae      
,u4,s4,c4 #afhas-#b7 is amended by      
adding at the end the following3  7f7   
,full-,file credit reporting  7#a7      
,definitions ,in this subsection3 7,a7  

,energy utility firm ,the term energy   
utility firm means an entity that       
provides gas or electric utility        
services to the public4  7,b7 ,utility  
or telecommunication firm ,the term     
utility or telecommunication firm means 
an entity that provides utility services
 to the public through pipe1 wire1      
landline1 wireless1 cable1 or other     
connected facilities1 or radio1         
electronic1 or similar transmission     
7including the extension of such        
facilities74  7#b7 ,information relating
 to lease agreements1 utilities1 and    
telecommunications services ,subject to 
the limitation in paragraph 7#c7 and    
notwithstanding any other provision of  
law1 a person or the ,secretary of      
,housing and ,urban ,development may    
furnish to a consumer reporting agency  
information relating to the performance 
of a consumer in making payments--  7,a7
 under a lease agreement with respect to
 a dwelling1 including such a lease in  
which the ,department of ,housing and   

,urban ,development provides subsidized 
payments for occupancy in a dwelling2 or
  7,b7 pursuant to a contract for a     
utility or telecommunications service4  
7#c7 ,limitation ,information about the 
usage by a consumer of any utility      
service provided by a utility or        
telecommunication firm may be furnished 
to a consumer reporting agency only to  
the extent that the information relates 
to the payment by the consumer for the  
service of the utility or               
telecommunication service or other terms
 of the provision of the services to the
 consumer1 including any deposit1       
discount1 or conditions for interruption
 or termination of the service4  7#d7   
,payment plan ,an energy utility firm   
may not report payment information to a 
consumer reporting agency with respect  
to an outstanding balance of a consumer 
as late if--  7,a7 the energy utility   
firm and the consumer have entered into 
a payment plan 7including a deferred    
payment agreement1 an arrearage         

management program1 or a debt           
forgiveness program7 with respect to    
such outstanding balance2 and  7,b7 the 
consumer is meeting the obligations of  
the payment plan1 as determined by the  
energy utility firm4  4  7b7 ,limitation
 on liability ,section #fbc7;c7 of the  
,fair ,credit ,reporting ,act 7#ae      
,u4,s4,c4 #afhas-#b7;c77 is amended--   
7#a7 in paragraph 7#b71 by striking or  
at the end2  7#b7 by redesignating      
paragraph 7#c7 as paragraph 7#d72 and   
7#c7 by inserting after paragraph 7#b7  
the following3  7#c7 subsection 7f7 of  
this section1 including any regulations 
issued thereunder2 or  4  7c7 ,,gao     
study and report ,not later than #b     
years after the date of the enactment of
 this ,act1 the ,comptroller ,general of
 the ,united ,states shall submit to    
,congress a report on the impact of     
furnishing information pursuant to      
subsection 7f7 of section #fbc of the   
,fair ,credit ,reporting ,act 7#ae      
,u4,s4,c4 #afhas-#b71 as added by       

subsection 7a7 of this ,act1 on         
consumers4