,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #cdhi  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #be1 #bjba,mr4   
,rodney ,davis ( ,ill9ois 7= himself1   
,mr4 ,mfume1 ,mr4 ,waltz1 ,ms4 ,port]1  
,mr4 ,kell]1 ,mr4 ,kim ( ,new ,j]sey1   
,mr4 ,kelly ( ,mississippi1 ,mr4 ,case1 
,mr4 ,fitzpatrick1 ,mr4 ,phillips1 ,mr4 
,van ,drew1 ,mr4 ,c>son1 ,mr4 ,pappas1  
,mr4 ,o',hall]an1 & ,ms4 ,wild7         
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to require cr$itors to e/abli% 
a phone l9e to assi/ obligors :o are #ej
 ye>s ( age & old] to resolve bill+     
errors1 & = o!r purposes4  #a4 ,%ort    
title ,?is ,act may be cit$ z ! ,report+
 ,in/ances ( ,non-au?oriz$ ,grift ,act (
 #bjba or ! ,,r+ ,act ( #bjba4  #b4     
,bill+ error assi/ance ,section #afa ( !
 ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4      
#afff7 is am5d$ by add+ at ! end !      
foll[+3  7f7 ,bill+ error assi/ance     
7#a7 ,9 g5]al ,n lat] ?an #a ye> aft] ! 
date ( ! enactm5t ( ?is subsection1 ea* 

cr$itor %all-- 7,a7 e/abli% & publi% !  
phone numb] = a toll-free phone l9e t is
 d$icat$ to directly assi/+ obligors age
 #ej & old] to navigate ! process       
describ$ 9 ?is section = resolv+ bill+  
errors1 includ+ ! mitigation ( fraudul5t
 activity2 &  7,b7 provide a cle>1      
und]/&able1 & prom95t notice to su*     
obligors ( ! availability ( su* phone   
l9e ?r\gh1 email1 websites1 mail+s1 &   
o!r =ms ( communication z det]m9$       
helpful & appropriate by ! cr$itor4     
7#b7 ,p]sonally id5tifiable in=mation   
,ea* cr$itor %all ensure t ! op]ator (  
any phone l9e e/abli%$ pursuant to      
p>agraph 7#a7 does n require any obligor
 to disclose p]sonally id5tifiable      
in=mation1 includ+ a social security    
numb]1 to v]ify ! age ( su* obligor4  4