,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #hd  ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$
 ,,/ates  ,janu>y #aj1 #bjai,mr4 ,rubio 
7= himself1 ,mr4 ,k5n$y1 ,mr4 ,coons1 & 
,mr4 ,jones7 introduc$ ! foll[+ bill2   
:i* 0 read twice & ref]r$ to !          
,committee on ,small ,bus9ess &         
,entrepr5eur%ip  ,a ,,bill  ,to am5d !  
,small ,bus9ess ,act to require t       
consum] report+ ag5cies & o!r cr$it     
report+ companies provide c]ta9         
protections to small bus9esses1 & = o!r 
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,small ,bus9ess ,cr$it     
,protection ,act4  #b4 ,data brea*es    
7a7 ,9 g5]al ,! ,small ,bus9ess ,act    
7#ae ,u4,s4,c4 #fca et seq47 is am5d$-- 
7#a7 by r$esignat+ section #di 7#ae     
,u4,s4,c4 #fca note7 z section #ej2 &   
7#b7 by ins]t+ aft] section #dh 7#ae    
,u4,s4,c4 #fegu7 ! foll[+3  #di4 ,data  
brea*es  7a7 ,def9ition ,9 ?is section1 
! t]m cr$it report+ company--  7#a7 has 
! mean+ giv5 ! t]m consum] report+ ag5cy
 9 section #fjc ( ! ,fair ,cr$it        

,report+ ,act 7#ae ,u4,s4,c4 #afha;a72 &
  7#b7 includes an entity t collects    
comm]cial cr$it data4  7b7 ,requirem5ts 
= report+ brea*es  7#a7 ,applicable     
,/ate law  7,a7 ,9 g5]al ,except z      
provid$ 9 p>agraph 7#b71 if nonpublic   
data ( a small bus9ess conc]n t is      
collect$ or /or$ by a cr$it report+     
company has be5 brea*$1 ! cr$it report+ 
company %all report ! brea* promptly & n
 lat] ?an z requir$ "u ! law ( ! ,/ate 9
 :i* ! small bus9ess conc]n is locat$4  
7,b7 ,locations 9 multiple ,/ates ,if a 
small bus9ess conc]n t is affect$ by a  
brea* describ$ 9 subp>agraph 7,a7 has   
locations 9 m ?an #a ,/ate1 = ! purposes
 ( t subp>agraph1 ! law ( ! ,/ate t     
imposes ! %orte/ p]iod = ! report+ ( !  
brea* %all apply4  7#b7 ,exception  7,a7
 ,9 g5]al ,if a small bus9ess conc]n t  
is affect$ by a brea* describ$ 9        
p>agraph 7#a77;,a7 is locat$ 9 a ,/ate t
 does n h a law t imposes a set p]iod = 
! report+ ( ! brea*1 ! cr$it report+    
company to :i* ! requirem5t "u t        

p>agraph applies %all report ! brea* 9 !
 mo/ exp$iti\s mann] practicable & )\t  
unreasonable delay4  7,b7 ,rule (       
con/ruction reg>d+ a law en=cem5t reque/
 ,= ! purposes ( subp>agraph 7,a71 a    
delay ) respect to ! report+ ( a brea*  
describ$ 9 t subp>agraph t is caus$ by a
 requirem5t to respond to a reque/      
submitt$ by a law en=cem5t ag5cy %all be
 con/ru$ to be a reasonable delay4  7c7 
,prohibition ,dur+ ! #ahj-;day p]iod    
beg9n+ on ! date on :i* a brea* describ$
 9 subsection 7b77#a77;,a7 occurs1 a    
cr$it report+ company may n *>ge a small
 bus9ess conc]n t is affect$ by t brea* 
= provid+ ! small bus9ess conc]n ) !    
cr$it report ( ! small bus9ess conc]n4  
7d7 ,no preemption ,no?+ 9 ?is section  
%all preempt any ,/ate law ) respect to 
cr$it report+ companies4  4  7b7 ,,gao  
report  7#a7 ,def9itions ,9 ?is         
subsection--  7,a7 ! t]m cr$it report+  
company-- 7i7 has ! mean+ giv5 ! t]m    
consum] report+ ag5cy 9 section #fjc ( !
 ,fair ,cr$it ,report+ ,act 7#ae        

,u4,s4,c4 #afha;a72 &  7ii7 includes an 
entity t collects comm]cial cr$it data2 
&  7,b7 ! t]m small bus9ess conc]n has !
 mean+ giv5 ! t]m 9 section #c7;a7 ( !  
,small ,bus9ess ,act 7#ae ,u4,s4,c4     
#fcb7;a774  7#b7 ,report ,n lat] ?an #a 
ye> aft] ! date ( enactm5t ( ?is ,act1 !
 ,comptroll] ,g5]al ( ! ,unit$ ,/ates   
%all submit to ,congress a report reg>d+
 ! economic h>m incurr$ by small bus9ess
 conc]ns z a result ( data brea*es at   
cr$it report+ companies4