,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #bfca  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,octob] #ag1 #bjai ,mr4
 ,scott ( ,florida 7= himself1 ,mrs4    
,capito1 ,mrs4 ,fis*]1 ,mr4 ,rubio1 ,mr4
 ,cotton1 & ,mrs4 ,blackburn7 introduc$ 
! foll[+ bill2 :i* 0 read twice & ref]r$
 to ! ,committee on ,bank+1 ,h\s+1 &    
,urban ,affairs  ,a ,,bill  ,to am5d !  
,fair ,cr$it ,report+ ,act to accurately
 report id5tity !ft transactions 9 !    
cr$it hi/ories ( crim9al def5dants4  #a4
 ,%ort title ,?is ,act may be cit$ z !  
,id5tity ,!ft ,victims ,protection ,act 
( #bjai4  #b4 ,accurate report+ ( cr$it 
hi/ory in=mation relat$ to id5tity !ft  
7a7 ,9 g5]al ,! ,fair ,cr$it ,report+   
,act 7#ae ,u4,s4,c4 #afha et seq47 is   
am5d$ by ins]t+ aft] section #fje;,b    
7#ae ,u4,s4,c4 #afha;c-#b7 ! foll[+3    
#fje;,c4 ,accurate report+ ( cr$it      
hi/ory in=mation relat$ to id5tity !ft  
7a7 ,purpose ,! purpose ( ?is section   
is-- 7#a7 to prev5t in=mation t is !    
result ( id5tity !ft f appe>+ 9 ! cr$it 

hi/ory ( a victim consum]2 &  7#b7 to   
accurately report ! in=mation 9 ! cr$it 
hi/ory ( ! confirm$ p]petrator ( id5tity
 !ft foll[+ a f9d+ ( guilt = a violation
 ( section #ajbh7;a77#g7 or #ajbh;,a7a7 
( title #ah1 ,unit$ ,/ates ,code4  7b7  
,transf] ( ,id5tity !ft cr$it in=mation 
,^u direct reque/ ( a victim consum]1 or
 an individual act+ on behalf ( or z a  
p]sonal repres5tative ( a victim        
consum]1 a consum] report+ ag5cy        
describ$ 9 section #fjc7p7 t ma9ta9s a  
file on ! consum] & has receiv$         
appropriate pro( ( an act or acts (     
id5tity !ft1 z describ$ 9 subsection    
7c71 %all--  7#a7 remove any in=mation 9
 ! file ( a victim consum] confirm$ to  
be ! result ( id5tity !ft2 &  7#b7 add !
 remov$ in=mation to ! file ( ! def5dant
 f\nd guilty ( ! id5tity !ft4  7c7      
,in=mation necess>y to effect transf] ,!
 direct reque/ ( a victim consum]1 or an
 individual act+ on behalf ( or z a     
p]sonal repres5tative ( a victim consum]
 "u subsection 7b71 %all include !      

foll[+ in=mation3  7#a7 ,a c]tifi$ copy 
( ! indictm5t1 in=mation1 or *>g+       
in/rum5t fil$ 9 a c\rt ( compet5t       
jurisdiction alleg+ #a or m acts (      
id5tity !ft1 9 violation ( section #ajbh
 or #ajbh;,a7a7 ( title #ah1 ,unit$     
,/ates ,code1 by a nam$ def5dant aga9/ a
 nam$ victim consum]4  7#b7 ,appropriate
 pro( ( ! id5tity ( ! def5dant4  7#c7   
,appropriate pro( ( ! id5tity ( ! victim
 consum]4  7#d7 ,a c]tifi$ copy ( !     
judgm5t ent]$ by a c\rt ( compet5t      
jurisdiction decl>+ ! def5dant guilty ( 
#a or m acts ( id5tity !ft or aggravat$ 
id5tity !ft1 z alleg$ 9 ! indictm5t1    
in=mation1 or *>g+ in/rum5t1 aga9/ !    
victim consum]4  7#e7 ,id5tification by 
! victim consum] ( ! in=mation relat$ to
 ! confirm$ act or acts ( id5tity !ft or
 aggravat$ id5tity !ft by ! def5dant4   
7#f7 ,a /atem5t by ! victim consum] t ! 
in=mation is n in=mation relat+ to any  
transaction by ! consum]4  7d7 ,au?ority
 ,to reque/ additional in=mation ,a     
consum] report+ ag5cy may reque/        

additional in=mation f ! individual or  
entity submitt+ in=mation "u subsection 
7b7 if su* additional in=mation is      
necess>y to confirm--  7#a7 ! id5tity ( 
! victim consum] or ! def5dant2  7#b7 ! 
au!nticity ( any c\rt docum5t2 or  7#c7 
! in=mation 9 ! file ( ! victim consum] 
reque/$ to be remov$4  7e7 ,notification
 to furni%]s ( in=mation ,a consum]     
report+ ag5cy %all promptly notify !    
furni%] ( in=mation id5tifi$ by ! victim
 consum] "u subsection 7b7--  7#a7 t !  
in=mation is ! result ( a judicially    
confirm$ act ( id5tity !ft by ! nam$    
def5dant2  7#b7 t ! in=mation id5tifi$ z
 ! result ( id5tity !ft has be5 remov$ f
 ! file ( ! victim consum]1 & !         
in=mation has be5 add$ to ! file ( !    
def5dant2 &  7#c7 ! effective date ( !  
addition ( ! in=mation to ! file ( !    
def5dant4  7f7 ,notification to consum] 
report+ ag5cies ,a consum] report+ ag5cy
 describ$ 9 section #fjc7p7 t ma9ta9s a 
file on ! consum] & has receiv$ !       
mat]ials & in=mation describ$ 9         

subsection 7c7 %all ref] su* in=mation  
to ea* ( ! o!r consum] report+ ag5cies  
describ$ 9 subsection #fjc7p71 9        
accordance ) proc$ures develop$ "u      
section #fba7;f74  7g7 ,def9ition ,9 ?is
 section1 ! t]m victim consum] has !    
mean+ giv5 ! t]m victim 9 section       
#fji7;e74  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 ,accurate report+ (   
cr$it hi/ory in=mation relat$ to id5tity
 !ft4  4