,,ii #aafth ,,congress #b;d ,session ,s4 #ddga ,,in ,,the ,,senate ,,of ,,the ,,united ,,states ,august #f1 #bjbj,mr4 ,booker 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 provide requirements for landlords and consumer reporting agencies relating to housing court records1 and for other purposes4 #a4 ,short title ,this ,act may be cited as the ,tenant ,protection ,act4 #b4 ,tenant blacklisting 7a7 ,definitions ,in this section-- 7#a7 the terms consumer1 consumer report1 and nationwide specialty consumer reporting agency have the meanings given those terms in section #fjc of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;a72 and 7#b7 the term tenant rating agency means a nationwide specialty consumer reporting agency described in section #fjc7x77#b7 of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;a7x77#b774 7b7 ,amendments to the ,fair ,credit ,reporting ,act ,the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afja et seq47 is amended-- 7#a7 in section #fje 7#ae ,u4,s4,c4 #afha;c71 by adding at the end the following3 7i7 ,housing court records ,a consumer reporting agency may not make a consumer report containing a landlord-tenant court or other housing court record1 unless-- 7#a7 the case to which the record pertains resulted in a judgment of possession2 7#b7 the decision of the court in the case to which the record pertains is not being appealed2 and 7#c7 the record antedates the consumer report by not more than #c years4 2 7#b7 in section #faa7;a7 7#ae ,u4,s4,c4 #afha;i7a77-- 7,a7 in paragraph 7#a77;,a71 by inserting or by submitting a notice of the dispute through the centralized source described in section #fab7;a77#a77;,b7 or the centralized source required to be established under section #b7;c7 of the ,tenant ,protection ,act after through a reseller2 and 7,b7 in paragraph 7#b7-- 7i7 in subparagraph 7,a7-- 7,i7 by striking or a reseller and inserting a reseller1 or a centralized source2 and 7,,ii7 by striking or reseller and inserting reseller1 or centralized source2 and 7ii7 in subparagraph 7,b71 by striking or the reseller and inserting the reseller1 or the centralized source2 7#c7 in section #fae 7#ae ,u4,s4,c4 #afham71 by adding at the end the following3 7i7 ,additional duty of users taking adverse actions on the basis of housing court records contained in consumer reports ,if any person takes any adverse action with respect to a consumer that is based in whole or in part on a landlord-tenant court or other housing record contained in a consumer report1 the person shall provide to the consumer a free copy of the consumer report used by the person in taking the adverse action4 2 7#d7 by adding at the end the following3 #fcj4 ,civil liability for creating reports with inaccurate housing court records ,any person who willfully makes a consumer report with respect to a consumer that contains an inaccurate landlord-tenant court or other housing record is liable to the consumer in an amount equal to the sum of-- 7#a7 any actual damages sustained by the consumer as a result of making that consumer report or damages of not less than #ejj and not more than #a1ejj2 7#b7 such amount of punitive damages as the court may allow2 and 7#c7 in the case of any successful action to enforce any liability under this section1 the costs of the action together with reasonable attorney's fees as determined by the court4 2 and 7#e7 in the table of contents1 by inserting after the item relating to section #fbi the following3 #fcj4 ,civil liability for creating reports with inaccurate housing court records4 4 7c7 ,regulations applicable to clearinghouse system ,not later than #a year after the date of enactment of this ,act1 the ,bureau of ,consumer ,financial ,protection shall issue regulations-- 7#a7 applicable to tenant rating agencies to require the establishment of-- 7,a7 a centralized source through which consumers may-- 7i7 obtain a consumer report from each such tenant rating agency once during any #ab-month period1 using a single request1 and without charge to the consumer1 as provided in section #fab7;a7 of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;j7a772 and 7ii7 submit a notice of a dispute of inaccurate information1 as provided in section #faa7;a7 of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;i7a772 and 7,b7 a standardized form for a consumer to make a request for a consumer report under subparagraph 7,a77i7 or submit a notice of dispute under subparagraph 7,a77ii7 by mail or through an ,internet website2 and 7#b7 to provide that a consumer may submit a notice of dispute of inaccurate information through the centralized source established in accordance with section #baa7;c7 of the ,fair and ,accurate ,credit ,transactions ,act of #bjjc 7#ae ,u4,s4,c4 #afha;j note71 as provided in section #faa7;a7 of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;i7a771 using the standardized form described in paragraph 7#a77;,b74 7d7 ,report ,not later than #a year after the date of enactment of this ,act1 the ,bureau of ,consumer ,financial ,protection shall conduct a study and submit to ,congress a report on the status of tenant rating agencies and the compliance of tenant rating agencies under the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afja et seq471 including a gap analysis of laws and resources to deter noncompliance with the intent and purpose of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afja et seq474