,,ii  #aaf? ,,congress  #b;d ,session   
,s4 #ddga  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,augu/ #f1 #bjbj,mr4   
,book] 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$it ,report+
 ,act to provide requirem5ts = l&lords &
 consum] report+ ag5cies relat+ to h\s+ 
c\rt records1 & = o!r purposes4  #a4    
,%ort title ,?is ,act may be cit$ z !   
,t5ant ,protection ,act4  #b4 ,t5ant    
blackli/+  7a7 ,def9itions ,9 ?is       
section-- 7#a7 ! t]ms consum]1 consum]  
report1 & nationwide specialty consum]  
report+ ag5cy h ! mean+s giv5 ^? t]ms 9 
section #fjc ( ! ,fair ,cr$it ,report+  
,act 7#ae ,u4,s4,c4 #afha;a72 &  7#b7 ! 
t]m t5ant rat+ ag5cy means a nationwide 
specialty consum] report+ ag5cy describ$
 9 section #fjc7x77#b7 ( ! ,fair ,cr$it 
,report+ ,act 7#ae ,u4,s4,c4            
#afha;a7x77#b774  7b7 ,am5dm5ts to !    
,fair ,cr$it ,report+ ,act ,! ,fair     
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     

#afja et seq47 is am5d$-- 7#a7 9 section
 #fje 7#ae ,u4,s4,c4 #afha;c71 by add+  
at ! end ! foll[+3  7i7 ,h\s+ c\rt      
records ,a consum] report+ ag5cy may n  
make a consum] report conta9+ a         
l&lord-t5ant c\rt or o!r h\s+ c\rt      
record1 unless-- 7#a7 ! case to :i* !   
record p]ta9s result$ 9 a judgm5t (     
possession2  7#b7 ! decision ( ! c\rt 9 
! case to :i* ! record p]ta9s is n be+  
appeal$2 &  7#c7 ! record ant$ates !    
consum] report by n m ?an #c ye>s4  2   
7#b7 9 section #faa7;a7 7#ae ,u4,s4,c4  
#afha;i7a77-- 7,a7 9 p>agraph 7#a77;,a71
 by ins]t+ or by submitt+ a notice ( !  
dispute ?r\gh ! c5traliz$ s\rce describ$
 9 section #fab7;a77#a77;,b7 or !       
c5traliz$ s\rce requir$ to be e/abli%$  
"u section #b7;c7 ( ! ,t5ant ,protection
 ,act aft] ?r\gh a resell]2 &  7,b7 9   
p>agraph 7#b7-- 7i7 9 subp>agraph 7,a7--
 7,i7 by /rik+ or a resell] & ins]t+ a  
resell]1 or a c5traliz$ s\rce2 &  7,,ii7
 by /rik+ or resell] & ins]t+ resell]1  
or c5traliz$ s\rce2 &  7ii7 9           

subp>agraph 7,b71 by /rik+ or ! resell] 
& ins]t+ ! resell]1 or ! c5traliz$      
s\rce2  7#c7 9 section #fae 7#ae        
,u4,s4,c4 #afham71 by add+ at ! end !   
foll[+3  7i7 ,additional duty ( us]s    
tak+ adv]se actions on ! basis ( h\s+   
c\rt records conta9$ 9 consum] reports  
,if any p]son takes any adv]se action ) 
respect to a consum] t is bas$ 9 :ole or
 9 "p on a l&lord-t5ant c\rt or o!r h\s+
 record conta9$ 9 a consum] report1 !   
p]son %all provide to ! consum] a free  
copy ( ! consum] report us$ by ! p]son 9
 tak+ ! adv]se action4  2  7#d7 by add+ 
at ! end ! foll[+3  #fcj4 ,civil        
liability = creat+ reports ) inaccurate 
h\s+ c\rt records ,any p]son :o         
willfully makes a consum] report )      
respect to a consum] t conta9s an       
inaccurate l&lord-t5ant c\rt or o!r h\s+
 record is liable to ! consum] 9 an     
am\nt equal to ! sum (-- 7#a7 any actual
 damages su/a9$ by ! consum] z a result 
( mak+ t consum] report or damages ( n  
less ?an #ejj & n m ?an #a1ejj2  7#b7   

su* am\nt ( punitive damages z ! c\rt   
may all[2 &  7#c7 9 ! case ( any        
successful action to en=ce any liability
 "u ?is section1 ! co/s ( ! action      
toge!r ) reasonable attorney's fees z   
det]m9$ by ! c\rt4  2 &  7#e7 9 ! table 
( cont5ts1 by ins]t+ aft] ! item relat+ 
to section #fbi ! foll[+3  #fcj4 ,civil 
liability = creat+ reports ) inaccurate 
h\s+ c\rt records4  4  7c7 ,regulations 
applicable to cle>+h\se sy/em ,n lat]   
?an #a ye> aft] ! date ( enactm5t ( ?is 
,act1 ! ,bureau ( ,consum] ,f9ancial    
,protection %all issue regulations--    
7#a7 applicable to t5ant rat+ ag5cies to
 require ! e/abli%m5t (-- 7,a7 a        
c5traliz$ s\rce ?r\gh :i* consum]s may--
 7i7 obta9 a consum] report f ea* su*   
t5ant rat+ ag5cy once dur+ any #ab-mon? 
p]iod1 us+ a s+le reque/1 & )\t *>ge to 
! consum]1 z provid$ 9 section #fab7;a7 
( ! ,fair ,cr$it ,report+ ,act 7#ae     
,u4,s4,c4 #afha;j7a772 &  7ii7 submit a 
notice ( a dispute ( inaccurate         
in=mation1 z provid$ 9 section #faa7;a7 

( ! ,fair ,cr$it ,report+ ,act 7#ae     
,u4,s4,c4 #afha;i7a772 &  7,b7 a /&>diz$
 =m = a consum] to make a reque/ = a    
consum] report "u subp>agraph 7,a77i7 or
 submit a notice ( dispute "u           
subp>agraph 7,a77ii7 by mail or ?r\gh an
 ,int]net website2 &  7#b7 to provide t 
a consum] may submit a notice ( dispute 
( inaccurate in=mation ?r\gh ! c5traliz$
 s\rce e/abli%$ 9 accordance ) section  
#baa7;c7 ( ! ,fair & ,accurate ,cr$it   
,transactions ,act ( #bjjc 7#ae         
,u4,s4,c4 #afha;j note71 z provid$ 9    
section #faa7;a7 ( ! ,fair ,cr$it       
,report+ ,act 7#ae ,u4,s4,c4            
#afha;i7a771 us+ ! /&>diz$ =m describ$ 9
 p>agraph 7#a77;,b74  7d7 ,report ,n    
lat] ?an #a ye> aft] ! date ( enactm5t (
 ?is ,act1 ! ,bureau ( ,consum]         
,f9ancial ,protection %all conduct a    
/udy & submit to ,congress a report on !
 /atus ( t5ant rat+ ag5cies & !         
compliance ( t5ant rat+ ag5cies "u !    
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afja et seq471 includ+ a gap 

analysis ( laws & res\rces to det]      
noncompliance ) ! int5t & purpose ( !   
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afja et seq474