,i  #aag? ,,congress  #b;d ,session  ,h4
 ,r4 #hdgh  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,july #ba1 #bjbb,ms4  
,pressley introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to require         
nationwide consum] report+ ag5cies1 ^u  
reque/1 to use a consum]'s curr5t legal 
"n on consum] reports1 & = o!r purposes4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,cr$it ,report+ ,accuracy ,aft] a   
,legal ,"n ,*ange ,act ( #bjbb4  #b4    
,f9d+s ,congress f9ds ! foll[+3 7#a7    
,consum] reports are significant to !   
ability = ,am]ican consum]s to access   
cr$it1 h\s+1 & employm5t4  7#b7         
,fragm5t$ files creat$ by ! cr$it       
report+ indu/ry lead to inaccuracies on 
! consum] reports ( transg5d] & g5d]    
noncon=m+ consum]s aft] a legal "n      
*ange4 ,inaccurate consum] reports      
create additional burd5s & b>ri]s = ^!  
consum]s & impair _! ability to access  
cr$it1 h\s+1 & employm5t4  7#c7 ,z (    

#bjag1 !re 7 approximately #a4d million 
adults :o id5tify z transg5d]1 accord+  
to ! ,williams ,in/itute report1 ,age ( 
,individuals ,:o ,id5tify z ,transg5d] 9
 ! ,unit$ ,/ates1 & z ( #bjba1          
approximately #a4b million adults       
id5tify z nonb9>y1 accord+ to !         
,williams ,in/itute report1 ,nonb9>y    
,,lgbtq ,adults 9 ! ,unit$ ,/ates4  7#d7
 ,z evid5ce t transg5d] & g5d] noncon=m+
 adults are vuln]able to discrim9ation1 
h>assm5t1 & abuse bas$ on _! g5d]       
id5tity & expression1 9 its #bjaf report
 ,inju/ice at ,e ,turn1 ! ,national     
,c5t] = ,transg5d] ,equality f\nd t     
transg5d] adults exp]i5c$ unemploym5t at
 twice ! rate ( ! g5]al population1 &   
#ij p]c5t report$ exp]i5c+ h>assm5t1    
discrim9ation1 or mi/reatm5t 9 !        
workplace4 ,! report fur!r f\nd t "o 9  
five transg5d] adults report$ hav+ be5  
refus$ a home or ap>tm5t because ( _!   
g5d] id5tity4  7#e7 ,transg5d] & g5d]   
noncon=m+ consum]s face a myriad (      
problems 9 t]ms ( consum] report+       

problems aft] !y *ange _! names1 includ+
 t _! cr$it report fragm5ts into two or 
m unconnect$ files ^u _! "n *ange & t _!
 "n *ange & any cr$it actions t foll[   
are nev] reflect$ 9 _! report at all4   
,_m consum]s report t cr$it report+     
problems h a negative impact on _!      
f9ancial & p]sonal lives1 includ+ cr$it 
score decreases ( #ajj po9ts or m1 :i* c
 be a b>ri] to access+ bank+ s]vices1   
mortgages1 auto f9anc+1 employm5t1 &    
r5tal h\s+4  7#f7 ,transg5d] consum]s   
face sev]e adv]se effects f hav+ _! =m] 
"n reflect$ on _! cr$it report4 ,!      
disclosure ( a transg5d] p]son's prior  
"n 9 a consum] report to a cr$itor1     
employ]1 or lessor c expose ^? consum]s 
to unlawful discrim9ation on ! basis ( t
 consum]'s g5d] id5tity4  #c4           
,requirem5t to use a consum]'s curr5t   
legal "n on 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 ,) respect
 to a consum] report+ ag5cy describ$ 9  

section #fjc7p71 any prior "n ( !       
consum] ab\t :om ! report relates1 o!r  
?an ! consum]'s curr5t legal "n1 aft]   
receiv+ a reque/ f ! consum] to use only
 ! consum]'s curr5t legal "n on all     
consum] reports4  4