,i  #aah? ,,congress  #a/ ,session  ,h4 
,r4 #dgdc  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #ai1 #bjbc,mr4  
,mfume 7= himself1 ,mr4 ,got!im]1 ,mr4  
,fitzpatrick1 ,mr4 ,trone1 ,ms4 ,salaz>1
 ,mr4 ,kim ( ,new ,j]sey1 ,mr4 ,bu*anan1
 & ,ms4 ,port]7 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 ( #bjbc or !  
,,r+ ,act ( #bjbc4  #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$itor  
%all-- 7,a7 e/abli% & publi% ! phone    
numb] = a toll-free dome/ic phone l9e   
op]at$ by p]sons locat$ 9 ! ,unit$      

,/ates 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+s4  7#b7 ,phone l9e requirem5ts ,9 
op]at+ ! phone l9e describ$ "u p>agraph 
7#a77;,a71 ea* cr$itor %all provide a   
call] ) an option1 at ! beg9n+ ( a call1
 to receive ! assi/ance describ$ "u     
p>agraph 7#a77;,a7--  7,a7 f a live     
,engli%-speak+ individual & n ?r\gh an  
automat$ sy/em2 &  7,b7 f a live        
,spani%-speak+ individual & n ?r\gh an  
automat$ sy/em4  7#c7 ,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