,i #aah? ,,congress #a/ ,session ,h4 ,r4 #defj ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,july #aa1 #bjbc,ms4 ,pressley 7= h]self1 ,ms4 ,tlaib1 ,ms4 ,lee ( ,cali=nia1 ,ms4 ,ocasio-,cortez1 ,ms4 ,s*ak[sky1 ,ms4 ,norton1 ,mr4 ,gomez1 ,mr4 ,mc,govern1 ,mr4 ,fro/1 ,mr4 ,b[man1 ,ms4 ,cl>ke ( ,new ,york1 ,mr4 ,cas>1 ,mr4 ,johnson ( ,georgia1 ,ms4 ,om>1 ,ms4 ,bu%1 & ,ms4 ,lee ( ,p5nsylvania7 introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices ,a ,,bill ,to am5d ! ,fair ,cr$it ,report+ ,act to prohibit consum] report+ ag5cies t furni% consum] reports = t5ant scre5+ purposes f provid+ c]ta9 in=mation1 to e/abli% duties ( us]s ( consum] reports = h\s+ purposes1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,h\s+ = ,=m]ly ,inc>c]at$ ,re5try & ,/able ,t5ancy ,act or ! ,h\s+ ,,fir/ ,act4 #b4 ,def9ition ( t5ant scre5+ purposes 7a7 ,def9ition ( t5ant scre5+ purposes ,section #fjc7;h7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;a7h77 is am5d$-- 7#a7 by ins]t+ ,employm5t ,purposes & ,t5ant ,scre5+ ,purposes4-- be=e ,! t]m2 7#b7 by /rik+ ,! t]m & ins]t+ ! foll[+3 7#a7 ,employm5t purposes ,! t]m 2 & 7#c7 by add+ at ! end ! foll[+ new p>agraph3 7#b7 ,t5ant scre5+ purposes ,! t]m t5ant scre5+ purposes :5 us$ 9 connection ) a consum] report means a report us$ = ! purpose ( evaluat+ a consum] = r5tal h\s+ or ret5tion z a r5t] or t5ant4 4 7b7 ,con=m+ am5dm5ts ,! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha et seq47 is am5d$-- 7#a7 9 section #fjc-- 7,a7 9 subsection 7d77#a77;,b71 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes2 & 7,b7 9 subsection 7k7-- 7i7 9 clause 7iii71 by /rik+ & at ! end2 7ii7 9 clause 7iv77,,ii71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7iii7 by add+ at ! end ! foll[+3 7v7 a d5ial ( h\s+ or any o!r decision relat$ to ! provision ( r5tal h\s+ t adv]sely affects any curr5t or prospective t5ant or r5t]4 2 7#b7 9 section #fjd7;a77#c77;,b71 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes2 7#c7 9 section #fje;,a7i77#d77;,i71 by /rik+ employm5t1 t5ant1 or backgr\nd scre5+ purposes & ins]t+ employm5t purposes1 t5ant scre5+ purposes1 or backgr\nd scre5+ purposes2 7#d7 9 section #fjf7;d77#b7-- 7,a7 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes2 7,b7 by /rik+ ( ! consum] & ins]t+ ( ! consum]1 or by a h\s+ provid] or a prospective h\s+ provid] 7z applicable72 & 7,c7 by ins]t+ or fair h\s+ aft] equal employm5t opportunity2 7#e7 9 section #fji7;a77#c77;,a77i71 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes2 & 7#f7 9 section #fac-- 7,a7 9 ! section head+1 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes2 & 7,b7 9 subsection 7a7-- 7i7 9 ! matt] prec$+ p>agraph 7#a71 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes2 & 7ii7 by ins]t+ or r5tal h\s+1 z applicable1 aft] obta9 employm5t ea* place x appe>s4 #c4 ,prohibition on in=mation includ$ 9 consum] reports furni%$ = t5ant scre5+ purposes ,! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha et seq47 is am5d$ by ins]t+ aft] section #fje;,c ! foll[+ new section3 #fje;,d4 ,consum] reports = t5ant scre5+ purposes ,a consum] report+ ag5cy t furni%es a consum] report = t5ant scre5+ purposes %all n include any in=mation relat+ to ! foll[+3 7#a7 ,a record = an arre/4 7#b7 ,any juv5ile adjudication or conviction1 includ+ convictions or adjudications 9 :i* a juv5ile 0 tri$ z an adult4 7#c7 ,non-crim9al citations by ,/ate or local law en=cem5t ag5cies4 7#d7 ,any crim9al case resolv$ ?r\gh successful completion ( div]sion1 def]r$ adjudication1 def]r$ entry ( judgm5t1 drug c\rt1 or a simil> judicial program e/abli%$ "u ,/ate law4 7#e7 ,a conviction = :i*-- 7,a7 ! consum] 0 s5t5c$ & = :i* ! consum] has complet$ ! s5t5ce2 or 7,b7 ! consum] is on probation or p>ole4 7#f7 ,an (f5se or (f5ses relat$ to fees or back paym5ts associat$ ) c\rt co/s or inc>c]ation4 7#g7 ,a record ( a conviction or arre/ t has be5 expung$1 seal$1 vacat$1 set aside1 or subject to simil> relief1 or any conviction = :i* a consum] has be5 p>don$ or grant$ clem5cy4 4 #d4 ,conditions = furni%+ & us+ consum] reports = t5ant scre5+ purposes ,section #fjd7;b7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;b7b77 is am5d$-- 7#a7 9 ! subsection head+1 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes2 7#b7 9 p>agraph 7#a7-- 7,a7 9 ! matt] prec$+ subp>agraph 7,a71 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes2 & 7,b7 9 subp>agraph 7,a77ii71 by ins]t+ or fair h\s+ aft] equal employm5t opportunity2 7#c7 9 p>agraph 7#b77;,a7-- 7,a7 9 ! matt] prec$+ clause 7i71 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes2 & 7,b7 9 clause 7i71 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes2 & 7#d7 9 p>agraph 7#c77;,a71 by ins]t+ or t5ant scre5+ purposes aft] employm5t purposes4 #e4 ,cl>ification = s\rces ( in=mation ,section #fji7;a77#b7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;g7a77#b77 is am5d$ by ins]t+ 7includ+ any entity f :om ! consum] report+ ag5cy receiv$ su* in=mation7 aft] ! in=mation4 #f4 ,duties ( us]s ( consum] reports = h\s+ purposes ,section #fae ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afham7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7i7 ,duties ( us]s = t5ant scre5+ purposes ,if a p]son :o has procur$ a consum] report ( a consum] = t5ant scre5+ purposes or takes any adv]se action1 includ+ d5ial ( r5tal h\s+1 aga9/ su* consum] bas$ :olly or 9 "p on ! report1 ! p]son-- 7#a7 %all provide to ! consum] to :om ! report relates a notice conta9+ ! in=mation describ$ 9 subsection 7a7 )9 #c days aft] su* adv]se action2 & 7#b7 %all provide ! specific reasons = su* adv]se action1 includ+ ! in=mation conta9$ 9 ! consum] report t result$ 9 ! adv]se action4 4 #g4 ,prohibition on ,/ate regulation ( "t limits = in=mation exclud$ f consum] reports ,section #fbe7;b77#a77;,e7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afhat7b77#a77;,e77 is am5d$-- 7#a7 by ins]t+ ! "t aft] :i* aft] relat+ to2 & 7#b7 by ins]t+ becomes obsolete aft] consum] reports4 #h4 ,additional exclusion ( in=mation f consum] reports ,section #fje7;a77#e7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;c7a77#e77 is am5d$ by /rik+ 1 o!r ?an records ( convictions ( crimes4 #i4 ,te*nical am5dm5t ,section #fae7;h77#h7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afham7h77#h77 is am5d$-- 7#a7 9 subp>agraph 7,a71 by /rik+ ?is section & ins]t+ ?is subsection2 & 7#b7 9 subp>agraph 7,b71 by /rik+ ,?is section & ins]t+ ,?is subsection4