,,ii #aafth ,,congress #ast ,session ,s4 #ece ,,in ,,the ,,senate ,,of ,,the ,,united ,,states ,february #ad1 #bjai ,mr4 ,schatz 7for himself1 ,mr4 ,warner1 and ,mr4 ,kennedy7 introduced the following bill2 which was read twice and referred to the ,committee on ,banking1 ,housing1 and ,urban ,affairs ,a ,,bill ,to enable ,federal employees and contractors to correct their credit reports to remove adverse items of information reported as a result of a shutdown1 and for other purposes4 #a4 ,short title ,this ,act may be cited as the ,protect ,federal ,workers' ,credit ,act4 #b4 ,definitions ,section #fjc of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;a7 is amended by adding at the end the following3 7bb7 ,contractor ,the term contractor has the meaning given the term in section #gaja of title #da1 ,united ,states ,code4 7cc7 ,covered period ,the term covered period means-- 7#a7 the period beginning on the date on which a shutdown begins and ending on the date that is #cj days after the date on which the shutdown ends2 and 7#b7 with respect to the shutdown that began on ,december #ba1 #bjah1 and ended on ,january #be1 #bjai1 the #fj-;day period beginning on the date of enactment of this ,act4 7dd7 ,federal worker ,the term ,federal worker-- 7#a7 means an employee of a ,government agency that had a lapse in appropriations as a result of a shutdown2 and 7#b7 includes an employee of a contractor that has a contract with a ,government agency that had a lapse in appropriations as a result of a shutdown4 7ee7 ,shutdown ,the term shutdown means any period in which there is more than a #bd-;hour lapse in appropriations for any ,government agency or ,federal department as a result of a failure to enact a regular appropriations bill or continuing resolution that results in a delay or loss of payment or wages to a ,federal worker4 7ff7 ,small business concern ,the term small business concern has the meaning given the term in section #c of the ,small ,business ,act 7#ae ,u4,s4,c4 #fcb74 4 #c4 ,limitation on furnishing an adverse item of information resulting from the shutdown ,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 ,limitation on furnishing adverse information resulting from a shutdown ,a person shall not furnish any adverse item of information relating to a consumer during a covered period to any consumer reporting agency if the person has been notified by the consumer that-- 7#a7 the ability of the consumer to make an on-time payment during the covered period has been materially affected by a shutdown2 or 7#b7 the late or missed payment by the consumer during the covered period was a result of a shutdown4 4 #d4 ,prohibition on including an adverse item of information in consumer reports ,section #fje7;a7 of the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha;c7a77 is amended by adding at the end the following3 7#i7 ,an adverse item of information reported to the consumer reporting agency relating to a consumer during a covered period if-- 7,a7 the consumer is a ,federal worker listed in the database described in section #faa7;h77#b72 or 7,b7 the consumer has successfully requested the removal of an adverse item of information contained in the consumer's file pursuant to the process described in section #faa7;h77#d74 4 #e4 ,process for deleting negative information from consumer reports ,the ,fair ,credit ,reporting ,act 7#ae ,u4,s4,c4 #afha et seq47 is amended-- 7#a7 in section #fji7;c77#a77;,b7 7#ae ,u4,s4,c4 #afha;g7c77#a77;,b77-- 7,a7 in clause 7v71 by striking and at the end2 7,b7 in clause 7vi71 by striking the period at the end and inserting 2 and2 and 7,c7 by adding at the end the following3 7vi7 the right of a consumer to-- 7,i7 request the deletion of adverse items of information under section #faa7;h77#d72 and 7,,ii7 request #b consumer reports1 without charge to the consumer1 under section #faa7;h77#e74 2 and 7#b7 in section #faa 7#ae ,u4,s4,c4 #afha;i7-- 7,a7 in subsection 7a77#a77;,a71 by inserting and subsection 7h7 before 1 if the completeness2 and 7,b7 by adding at the end the following3 7h7 ,deletion of adverse items of information resulting from a shutdown 7#a7 ,requirement to provide list of impacted ,federal workers 7,a7 ,recent shutdown ,not later than #cj days after the date of enactment of this subsection-- 7i7 each ,government agency for which there was a lapse in appropriations during the shutdown that ended on ,january #be1 #bjai1 shall provide to the ,bureau a list of each ,federal worker who was furloughed or required to work without pay for any period of time during a shutdown2 and 7ii7 each ,federal contractor impacted by the shutdown that ended on ,january #be1 #bjai1 shall provide to the ,bureau a list of each employee whose pay was reduced or delayed as a result of a shutdown4 7,b7 ,subsequent shutdowns ,with respect to a shutdown beginning after ,january #be1 #bjai1 not later than #c days after the date on which the shutdown ends-- 7i7 each ,government agency for which there was a lapse in appropriations shall provide to the ,bureau a list of each ,federal worker who was furloughed or required to work without pay for any period of time during the shutdown2 and 7ii7 each ,federal contractor impacted by the shutdown shall provide to the ,bureau a list of each employee whose pay was reduced or delayed as a result of the shutdown4 7#b7 ,database ,the ,bureau shall establish and maintain a secure database that-- 7,a7 is accessible to consumer reporting agencies described in section #fjc7p7 and nationwide specialty consumer reporting agencies to check and automatically delete any adverse item of information reported during a covered period with respect to a ,federal worker under paragraph 7#c72 and 7,b7 contains the information reported under paragraph 7#a74 7#c7 ,deletion of adverse items of information by nationwide consumer reporting and nationwide specialty consumer reporting agencies 7,a7 ,in general ,each consumer reporting agency described in section #fjc7p7 and each nationwide specialty consumer reporting agency shall1 using the information contained in the database established under paragraph 7#b71 delete from the file of each ,federal worker named in the database each adverse item of information reported to the agency during the covered period4 7,b7 ,timeline ,each agency described in subparagraph 7,a7 shall-- 7i7 delete adverse items of information as soon as practicable after information that is reported under paragraph 7#a7 appears in the database established under paragraph 7#b72 and 7ii7 not later than the date that is #c days after the end of a covered period1 delete any remaining adverse items of information that were reported between the date on which adverse items of information were deleted under clause 7i7 and the end of the covered period4 7#d7 ,request for deletion of adverse items of information 7,a7 ,in general ,a consumer who is an employee or owner of a small business concern and who was materially affected by a shutdown may submit a request1 without charge to the consumer1 to a consumer reporting agency to delete from the consumer's file an adverse item of information reported to the consumer reporting agency during the covered period4 7,b7 ,timing ,a consumer may submit a request under subparagraph 7,a7-- 7i7 with respect to the shutdown that ended on ,january #be1 #bjai1 not later than #ij days after the date of enactment of this subsection2 and 7ii7 with respect to a shutdown beginning after ,january #be1 #bjai1 not later than #ij days after the date on which the shutdown ends4 7,c7 ,removal and notification ,upon receiving a request under this paragraph to delete an adverse item of information1 a consumer reporting agency shall-- 7i7 delete the adverse item of information from the consumer's file if the consumer provides documentation to the consumer reporting agency that the consumer is-- 7,i7 a ,federal worker whose pay was delayed or reduced during the covered period2 or 7,,ii7 an employee or owner of a small business concern who was materially affected by a shutdown2 and 7ii7 notify the consumer and the furnisher of the adverse item of information of the deletion4 7#e7 ,free credit reports 7,a7 ,in general ,a consumer reporting agency shall make all disclosures pursuant to section #fji twice during the #ab-month period following the end of a shutdown upon request by a consumer impacted by the shutdown and without charge to the consumer-- 7i7 with respect to the shutdown that ended on ,january #be1 #bjai1 if the consumer makes a request within #ahj days after the date of enactment of this subsection2 and 7ii7 with respect to a shutdown beginning after ,january #be1 #bjai1 if the consumer makes a request within #ahj days after the date on which the shutdown ends4 7,b7 ,timing ,a consumer reporting agency shall provide a consumer report under subparagraph 7,a7 not later than #ae days after the date on which the request is received under subparagraph 7,a74 7,c7 ,additional reports ,a consumer report provided under subparagraph 7,a7 shall be in addition to any report requested by the consumer under section #fab7;a74 7,d7 ,prohibition ,a consumer reporting agency that receives a request under subparagraph 7,a7 may not request or require any documentation from the consumer that demonstrates that the consumer was impacted by a shutdown as a condition of receiving the consumer report4 7#f7 ,posting of rights ,not later than #cj days after the date of enactment of this ,act1 and immediately after the beginning of a shutdown1 each consumer reporting agency shall prominently post and maintain a direct link on the homepage of the public website of the consumer reporting agency information relating to the right of consumers to-- 7,a7 request the deletion of adverse items of information under paragraph 7#d72 and 7,b7 request #b consumer reports1 without charge to the consumer1 under paragraph 7#e74 4