,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #ece  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,febru>y #ad1 #bjai    
,mr4 ,s*atz 7= himself1 ,mr4 ,w>n]1 &   
,mr4 ,k5n$y7 introduc$ ! foll[+ bill2   
:i* 0 read twice & ref]r$ to !          
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,a ,,bill  ,to enable ,f$]al  
employees & contractors to correct _!   
cr$it reports to remove adv]se items (  
in=mation report$ z a result ( a %utd[n1
 & = o!r purposes4  #a4 ,%ort title     
,?is ,act may be cit$ z ! ,protect      
,f$]al ,work]s' ,cr$it ,act4  #b4       
,def9itions ,section #fjc ( ! ,fair     
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;a7 is am5d$ by add+ at ! end !    
foll[+3  7bb7 ,contractor ,! t]m        
contractor has ! mean+ giv5 ! t]m 9     
section #gaja ( title #da1 ,unit$ ,/ates
 ,code4  7cc7 ,cov]$ p]iod ,! t]m cov]$ 
p]iod means--  7#a7 ! p]iod beg9n+ on ! 
date on :i* a %utd[n beg9s & end+ on !  
date t is #cj days aft] ! date on :i* ! 
%utd[n ends2 &  7#b7 ) respect to !     

%utd[n t began on ,decemb] #ba1 #bjah1 &
 end$ on ,janu>y #be1 #bjai1 ! #fj-;day 
p]iod beg9n+ on ! date ( enactm5t ( ?is 
,act4  7dd7 ,f$]al work] ,! t]m ,f$]al  
work]-- 7#a7 means an employee ( a      
,gov]nm5t ag5cy t _h a lapse 9          
appropriations z a result ( a %utd[n2 & 
7#b7 includes an employee ( a contractor
 t has a contract ) a ,gov]nm5t ag5cy t 
_h a lapse 9 appropriations z a result (
 a %utd[n4  7ee7 ,%utd[n ,! t]m %utd[n  
means any p]iod 9 :i* !re is m ?an a    
#bd-;h\r lapse 9 appropriations = any   
,gov]nm5t ag5cy or ,f$]al dep>tm5t z a  
result ( a failure to enact a regul>    
appropriations bill or cont9u+          
resolution t results 9 a delay or loss (
 paym5t or wages to a ,f$]al work]4     
7ff7 ,small bus9ess conc]n ,! t]m small 
bus9ess conc]n has ! mean+ giv5 ! t]m 9 
section #c ( ! ,small ,bus9ess ,act 7#ae
 ,u4,s4,c4 #fcb74  4  #c4 ,limitation on
 furni%+ an adv]se item ( in=mation     
result+ f ! %utd[n ,section #fbc ( !    
,fair ,cr$it ,report+ ,act 7#ae         

,u4,s4,c4 #afhas-#b7 is am5d$ by add+ at
 ! end ! foll[+3  7f7 ,limitation on    
furni%+ adv]se in=mation result+ f a    
%utd[n ,a p]son %all n furni% any adv]se
 item ( in=mation relat+ to a consum]   
dur+ a cov]$ p]iod to any consum]       
report+ ag5cy if ! p]son has be5 notifi$
 by ! consum] t--  7#a7 ! ability ( !   
consum] to make an on-"t paym5t dur+ !  
cov]$ p]iod has be5 mat]ially affect$ by
 a %utd[n2 or  7#b7 ! late or miss$     
paym5t by ! consum] dur+ ! cov]$ p]iod 0
 a result ( a %utd[n4  4  #d4           
,prohibition on includ+ an adv]se item (
 in=mation 9 consum] reports ,section   
#fje7;a7 ( ! ,fair ,cr$it ,report+ ,act 
7#ae ,u4,s4,c4 #afha;c7a77 is am5d$ by  
add+ at ! end ! foll[+3  7#i7 ,an adv]se
 item ( in=mation report$ to ! consum]  
report+ ag5cy relat+ to a consum] dur+ a
 cov]$ p]iod if--  7,a7 ! consum] is a  
,f$]al work] li/$ 9 ! database describ$ 
9 section #faa7;h77#b72 or  7,b7 !      
consum] has successfully reque/$ !      
removal ( an adv]se item ( in=mation    

conta9$ 9 ! consum]'s file pursuant to !
 process describ$ 9 section             
#faa7;h77#d74  4  #e4 ,process = delet+ 
negative in=mation f consum] reports ,! 
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afha et seq47 is am5d$-- 7#a7
 9 section #fji7;c77#a77;,b7 7#ae       
,u4,s4,c4 #afha;g7c77#a77;,b77--  7,a7 9
 clause 7v71 by /rik+ & at ! end2  7,b7 
9 clause 7vi71 by /rik+ ! p]iod at ! end
 & ins]t+ 2 &2 &  7,c7 by add+ at ! end 
! foll[+3  7vi7 ! "r ( a consum] to--   
7,i7 reque/ ! deletion ( adv]se items ( 
in=mation "u section #faa7;h77#d72 &    
7,,ii7 reque/ #b consum] reports1 )\t   
*>ge to ! consum]1 "u section           
#faa7;h77#e74  2 &  7#b7 9 section #faa 
7#ae ,u4,s4,c4 #afha;i7-- 7,a7 9        
subsection 7a77#a77;,a71 by ins]t+ &    
subsection 7h7 be=e 1 if ! complet5ess2 
&  7,b7 by add+ at ! end ! foll[+3  7h7 
,deletion ( adv]se items ( in=mation    
result+ f a %utd[n  7#a7 ,requirem5t to 
provide li/ ( impact$ ,f$]al work]s     
7,a7 ,rec5t %utd[n ,n lat] ?an #cj days 

aft] ! date ( enactm5t ( ?is            
subsection--  7i7 ea* ,gov]nm5t ag5cy = 
:i* !re 0 a lapse 9 appropriations dur+ 
! %utd[n t end$ on ,janu>y #be1 #bjai1  
%all provide to ! ,bureau a li/ ( ea*   
,f$]al work] :o 0 furl\gh$ or requir$ to
 "w )\t pay = any p]iod ( "t dur+ a     
%utd[n2 &  7ii7 ea* ,f$]al contractor   
impact$ by ! %utd[n t end$ on ,janu>y   
#be1 #bjai1 %all provide to ! ,bureau a 
li/ ( ea* employee ^: pay 0 r$uc$ or    
delay$ z a result ( a %utd[n4  7,b7     
,subsequ5t %utd[ns ,) respect to a      
%utd[n beg9n+ aft] ,janu>y #be1 #bjai1 n
 lat] ?an #c days aft] ! date on :i* !  
%utd[n ends--  7i7 ea* ,gov]nm5t ag5cy =
 :i* !re 0 a lapse 9 appropriations %all
 provide to ! ,bureau a li/ ( ea* ,f$]al
 work] :o 0 furl\gh$ or requir$ to "w   
)\t pay = any p]iod ( "t dur+ ! %utd[n2 
&  7ii7 ea* ,f$]al contractor impact$ by
 ! %utd[n %all provide to ! ,bureau a   
li/ ( ea* employee ^: pay 0 r$uc$ or    
delay$ z a result ( ! %utd[n4  7#b7     
,database ,! ,bureau %all e/abli% &     

ma9ta9 a secure database t-- 7,a7 is    
accessible to consum] report+ ag5cies   
describ$ 9 section #fjc7p7 & nationwide 
specialty consum] report+ ag5cies to    
*eck & automatically delete any adv]se  
item ( in=mation report$ dur+ a cov]$   
p]iod ) respect to a ,f$]al work] "u    
p>agraph 7#c72 &  7,b7 conta9s !        
in=mation report$ "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*    
,f$]al work] nam$ 9 ! database ea*      
adv]se item ( in=mation report$ to !    
ag5cy dur+ ! cov]$ p]iod4  7,b7 ,timel9e
 ,ea* ag5cy describ$ 9 subp>agraph 7,a7 
%all-- 7i7 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#b72 &  7ii7 n lat] ?an ! date t is #c
 days aft] ! end ( a cov]$ p]iod1 delete
 any rema9+ adv]se items ( in=mation t 7
 report$ betwe5 ! date on :i* adv]se    
items ( in=mation 7 delet$ "u clause 7i7
 & ! end ( ! cov]$ p]iod4  7#d7 ,reque/ 
= deletion ( adv]se items ( in=mation   
7,a7 ,9 g5]al ,a consum] :o is an       
employee or own] ( a small bus9ess      
conc]n & :o 0 mat]ially affect$ by a    
%utd[n 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 report$ to ! consum]   
report+ ag5cy dur+ ! cov]$ p]iod4  7,b7 
,tim+ ,a consum] may submit a reque/ "u 
subp>agraph 7,a7-- 7i7 ) respect to !   
%utd[n t end$ on ,janu>y #be1 #bjai1 n  
lat] ?an #ij days aft] ! date ( enactm5t
 ( ?is subsection2 &  7ii7 ) respect to 
a %utd[n beg9n+ aft] ,janu>y #be1 #bjai1
 n lat] ?an #ij days aft] ! date on :i* 
! %utd[n ends4  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 file if !       
consum] provides docum5tation to !      
consum] report+ ag5cy t ! consum] is--  
7,i7 a ,f$]al work] ^: pay 0 delay$ or  
r$uc$ dur+ ! cov]$ p]iod2 or  7,,ii7 an 
employee or own] ( a small bus9ess      
conc]n :o 0 mat]ially affect$ by a      
%utd[n2 &  7ii7 notify ! consum] & !    
furni%] ( ! adv]se item ( in=mation ( ! 
deletion4  7#e7 ,free cr$it reports     
7,a7 ,9 g5]al ,a consum] report+ ag5cy  
%all make all disclosures pursuant to   
section #fji twice dur+ ! #ab-mon? p]iod
 foll[+ ! end ( a %utd[n ^u reque/ by a 
consum] impact$ by ! %utd[n & )\t *>ge  
to ! consum]--  7i7 ) respect to !      
%utd[n t end$ on ,janu>y #be1 #bjai1 if 
! consum] makes a reque/ )9 #ahj days   
aft] ! date ( enactm5t ( ?is subsection2
 &  7ii7 ) respect to a %utd[n beg9n+   
aft] ,janu>y #be1 #bjai1 if ! consum]   
makes a reque/ )9 #ahj days aft] ! date 

on :i* ! %utd[n ends4  7,b7 ,tim+ ,a    
consum] report+ ag5cy %all provide a    
consum] report "u subp>agraph 7,a7 n    
lat] ?an #ae days aft] ! date on :i* !  
reque/ is receiv$ "u subp>agraph 7,a74  
7,c7 ,additional reports ,a consum]     
report provid$ "u subp>agraph 7,a7 %all 
be 9 addition to any report reque/$ by !
 consum] "u section #fab7;a74  7,d7     
,prohibition ,a consum] report+ ag5cy t 
receives a reque/ "u subp>agraph 7,a7   
may n reque/ or require any docum5tation
 f ! consum] t demon/rates t ! consum] 0
 impact$ by a %utd[n z a condition (    
receiv+ ! consum] report4  7#f7 ,po/+ ( 
rights ,n lat] ?an #cj days aft] ! date 
( enactm5t ( ?is ,act1 & imm$iately aft]
 ! beg9n+ ( a %utd[n1 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 p>agraph 7#d72 &   
7,b7 reque/ #b consum] reports1 )\t *>ge

 to ! consum]1 "u p>agraph 7#e74  4