,,ii  #aaf? ,,congress  #b;d ,session   
,s4 #cejh  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,m>* #ag1 #bjbj,mr4    
,s*atz 7= himself & ,mr4 ,br[n7         
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$it ,report+
 ,act to provide = disa/] protection =  
work]s' cr$it4  #a4 ,%ort title ,?is    
,act may be cit$ z ! ,disa/] ,protection
 = ,work]s' ,cr$it ,act ( #bjbj4  #b4   
,purpose ,! purpose ( ?is ,act1 & !     
am5dm5ts made by ?is ,act1 is to protect
 consum]s' cr$it f negative impacts z a 
result ( f9ancial h>d%ip due to !       
coronavirus disease 7,,covid-#ai7       
outbreak & future major disa/]s4  #c4   
,report+ ( in=mation dur+ major disa/]s 
7a7 ,9 g5]al ,! ,fair ,cr$it ,report+   
,act is am5d$ by ins]t+ aft] section    
#fje;,b ! foll[+3  #fje;,c4 ,report+ (  
in=mation dur+ major disa/]s  7a7       
,def9itions ,9 ?is section3 7#a7 ,cov]$ 
coronavirus disease 7,,covid-#ai7       

outbreak p]iod ,! t]m cov]$ coronavirus 
disease 7,,covid-#ai7 outbreak p]iod    
means ! p]iod beg9n+ on ,janu>y #ca1    
#bjbj1 & end+ on ! lat] (-- 7,a7 #abj   
days aft] ! date ( enactm5t ( ?is       
section2 or  7,b7 #abj days aft] ! date 
on :i* ! public heal? em]g5cy decl>$ by 
! ,secret>y ( ,heal? & ,human ,s]vices  
on ,janu>y #ca1 #bjbj1 "u section #cai (
 ! ,public ,heal? ,s]vice ,act 7#db     
,u4,s4,c4 #bdg;d71 t]m9ates4  7#b7      
,cov]$ major disa/] p]iod ,! t]m cov]$  
major disa/] p]iod means ! p]iod beg9n+ 
on ! date on :i* a major disa/] is      
decl>$ by ! ,presid5t "u section #dja ( 
! ,rob]t ,t4 ,/af=d ,disa/] ,relief &   
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eagj7 & end+ on ! date t is #abj days  
aft] ! end ( ! incid5t p]iod designat$ 9
 su* decl>ation4  7#c7 ,major disa/] ,! 
t]m major disa/] means a major disa/]   
decl>$ by ! ,presid5t "u section #dja ( 
! ,rob]t ,t4 ,/af=d ,disa/] ,relief &   
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eagj71 "u :i* assi/ance is au?oriz$ "u 

section #djh ( su* ,act 7#db ,u4,s4,c4  
#eagd74  7b7 ,moratorium on furni%+     
adv]se in=mation dur+ cov]$ coronavirus 
disease 7,,covid-#ai7 outbreak p]iod ,no
 p]son may furni% any adv]se item (     
in=mation relat+ to a consum] t 0 !     
result ( any action or inaction t       
occurr$ dur+ ! cov]$ coronavirus disease
 7,,covid-#ai7 outbreak p]iod4  7c7     
,moratorium on furni%+ adv]se in=mation 
dur+ cov]$ major disa/] p]iod ,no p]son 
may furni% any adv]se item ( in=mation  
relat+ to a consum] t 0 ! result ( any  
action or inaction t occurr$ dur+ a     
cov]$ major disa/] p]iod if ! consum] is
 a resid5t ( ! affect$ area cov]$ by a  
decl>ation made by ! ,presid5t "u       
section #dja ( ! ,rob]t ,t4 ,/af=d      
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eagj74  7d7        
,in=mation exclud$ f consum] reports ,9 
addition to ! in=mation describ$ 9      
section #fje7;a71 no consum] report+    
ag5cy may make any consum] report       
conta9+ an adv]se item ( in=mation      

report$ relat+ to a consum] t 0 ! result
 ( any action or inaction t occurr$ dur+
 ! cov]$ coronavirus disease            
7,,covid-#ai7 outbreak p]iod or a cov]$ 
major disa/] p]iod1 & z applicable "u   
subsection 7f77#c71 = #bgj days aft] !  
expiration ( ! applicable p]iod4  7e7   
,summ>y ( rights ,! model summ>y (      
rights "u section #fji7;c77#a7 %all     
include a description ( ! "r ( a consum]
 to-- 7#a7 reque/ ! deletion ( adv]se   
items ( in=mation "u subsection 7f72 &  
7#b7 reque/ a consum] report or score1  
)\t *>ge to ! consum]1 "u subsection    
7g74  7f7 ,deletion ( adv]se items (    
in=mation result+ f ! coronavirus       
disease 7,,covid-#ai7 outbreak & major  
disa/]s  7#a7 ,report+  7,a7 ,9 g5]al ,n
 lat] ?an #cj days aft] ! date (        
enactm5t ( ?is subsection1 ! ,bureau    
%all create a website = consum]s to     
report1 "u p5alty ( p]jury1 economic    
h>d%ip z a result ( ! coronavirus       
disease 7,,covid-#ai7 outbreak or a     
major disa/] = ! purpose ( ext5d+ cr$it 

report protection = an additional #bgj  
days aft] ! end ( ! cov]$ coronavirus   
disease 7,,covid-#ai7 outbreak p]iod or 
cov]$ major disa/] p]iod1 z applicable4 
7,b7 ,docum5tation ,! ,bureau %all-- 7i7
 n require any docum5tation f a consum] 
to sub/antiate ! economic h>d%ip2 &     
7ii7 provide notice to ! consum] t a    
report "u subp>agraph 7,a7 is "u p5alty 
( p]jury4  7,c7 ,report+ p]iod ,a       
consum] may report economic h>d%ip "u   
subp>agraph 7,a7 dur+ ! cov]$           
coronavirus disease 7,,covid-#ai7       
outbreak p]iod or a cov]$ major disa/]  
p]iod1 z applicable1 & = #fj days       
!reaft]4  7#b7 ,database ,! ,bureau %all
 e/abli% & ma9ta9 a secure database t-- 
7,a7 is accessible to ea* consum]       
report+ ag5cy describ$ 9 section #fjc7p7
 & nationwide specialty consum] report+ 
ag5cy = purposes ( fulfill+ _! duties "u
 p>agraph 7#c7 to *eck & automatically  
delete any adv]se item ( in=mation      
report$ t occurr$ dur+ ! cov]$          
coronavirus disease 7,,covid-#ai7       

outbreak p]iod or a cov]$ major disa/]  
p]iod ) respect to a consum]2 &  7,b7   
conta9s ! in=mation report$ "u p>agraph 
7#a74  7#c7 ,deletion ( adv]se items (  
in=mation by nationwide consum] report+ 
& nationwide specialty consum] report+  
ag5cies  7,a7 ,9 g5]al ,ea* consum]     
report+ ag5cy describ$ 9 section #fjc7p7
 & ea* nationwide specialty consum]     
report+ ag5cy %all1 us+ ! in=mation     
conta9$ 9 ! database e/abli%$ "u        
p>agraph 7#b71 delete f ! file ( ea*    
consum] nam$ 9 ! database ea* adv]se    
item ( in=mation t 0 a result ( an      
action or inaction t occurr$ dur+ !     
cov]$ coronavirus disease 7,,covid-#ai7 
outbreak p]iod or a cov]$ major disa/]  
p]iod up to #bgj days foll[+ ! end ( !  
su* p]iod4  7,b7 ,timel9e ,ea* consum]  
report+ ag5cy describ$ 9 section #fjc7p7
 & ea* nationwide specialty consum]     
report+ ag5cy %all *eck ! database at   
lea/ weekly & delete adv]se items (     
in=mation z soon z practicable aft]     
in=mation t is report$ "u p>agraph 7#a7 

appe>s 9 ! database e/abli%$ "u p>agraph
 7#b74  7#d7 ,reque/ = deletion ( adv]se
 items ( in=mation  7,a7 ,9 g5]al ,a    
consum] :o has fil$ a report ( economic 
h>d%ip ) ! ,bureau may submit a reque/1 
)\t *>ge to ! consum]1 to a consum]     
report+ ag5cy to delete f ! consum]'s   
file an adv]se item ( in=mation t 0 a   
result ( an action or inaction t occurr$
 dur+ ! cov]$ coronavirus disease       
7,,covid-#ai7 outbreak p]iod or a cov]$ 
major disa/] p]iod up to #bgj days      
foll[+ ! end ( ! su* p]iod4  7,b7 ,tim+ 
,a consum] may submit a reque/ "u       
subp>agraph 7,a71 n lat] ?an #bgj-;day  
p]iod describ$ 9 t subp>agraph4  7,c7   
,removal & notification ,^u receiv+ a   
reque/ "u ?is p>agraph to delete an     
adv]se item ( in=mation1 a consum]      
report+ ag5cy %all-- 7i7 delete ! adv]se
 item ( in=mation f ! consum]'s file2 & 
7ii7 notify ! consum] & ! furni%] ( !   
adv]se item ( in=mation ( ! deletion4   
7g7 ,free cr$it report & scores  7#a7 ,9
 g5]al ,dur+ ! cov]$ coronavirus disease

 7,,covid-#ai7 outbreak p]iod or a cov]$
 major disa/] p]iod & end+ #ab mon?s    
aft] ! expiration ( ! cov]$ coronavirus 
disease 7,,covid-#ai7 outbreak p]iod or 
cov]$ major disa/] p]iod1 z applicable1 
ea* consum] report+ ag5cy z describ$ "u 
#fjc7p7 & nationwide specialty consum]  
report+ ag5cy %all make all disclosures 
describ$ "u section #fji ^u reque/ by a 
consum]1 by mail or onl9e1 )\t *>ge to !
 consum] & )\t limitation z to ! numb] (
 reque/s4 ,a consum] report+ ag5cy %all 
also supply a consum]1 ^u reque/ & )\t  
*>ge1 ) a cr$it score t-- 7,a7 is d]iv$ 
f a cr$it scor+ model t is widely       
di/ribut$ to us]s by ! consum] report+  
ag5cy = ! purpose ( any ext5sion ( cr$it
 or o!r transaction designat$ by !      
consum] :o is reque/+ ! cr$it score2 or 
7,b7 is widely di/ribut$ to l5d]s (     
common consum] loan products & pr$icts !
 future cr$it behavior ( ! consum]4     
7#b7 ,tim+ ,a file disclosure or cr$it  
score "u p>agraph 7#a7 %all be provid$  
to ! consum] n lat] ?an-- 7,a7 #g days  

aft] ! date on :i* ! reque/ is receiv$  
if ! reque/ is made by mail2 &  7,b7 n  
lat] ?an #ae m9utes if ! reque/ is made 
onl9e4  7#c7 ,additional reports ,a file
 disclosure provid$ "u p>agraph 7#a7    
%all be 9 addition to any disclosure    
reque/$ by ! consum] "u section         
#fab7;a74  7#d7 ,prohibition ,a consum] 
report+ ag5cy t receives a reque/ "u    
p>agraph 7#a7 may n reque/ or require   
any docum5tation f ! consum] t          
demon/rates t ! consum] 0 impact$ by !  
coronavirus disease 7,,covid-#ai7       
outbreak or a major disa/] 7except to   
v]ify t ! consum] resides 9 an area     
cov]$ by ! major disa/]7 z a condition (
 receiv+ ! file disclosure or score4    
7h7 ,po/+ ( rights ,n lat] ?an #cj days 
aft] ! date ( enactm5t ( ?is section1   
ea* consum] report+ ag5cy %all prom95tly
 po/ & ma9ta9 a direct l9k on ! homepage
 ( ! public website ( ! consum] report+ 
ag5cy in=mation relat+ to ! "r (        
consum]s to-- 7#a7 reque/ ! deletion (  
adv]se items ( in=mation "u subsection  

7f72 &  7#b7 reque/ consum] file        
disclosures & scores1 )\t *>ge to !     
consum]1 "u subsection 7g74  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    
,report+ ( in=mation dur+ major disa/]s4
  4