,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #gbig  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,febru>y #g1 #bjbd,mr4
 ,rose 7= himself1 ,mr4 ,torres ( ,new  
,york1 ,mr4 ,luetkemey]1 ,mr4 ,nickel1  
,mr4 ,posey1 ,ms4 ,pett]s51 ,ms4 ,de ,la
 ,cruz1 ,mr4 ,ogles1 ,mr4 ,johnson (    
,s\? ,dakota1 ,mr4 ,b]gman1 & ,mr4      
,hill7 introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to prev5t consum]  
report+ ag5cies f furni%+ consum]       
reports "u c]ta9 circum/ances1 & = o!r  
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,homebuy]s ,privacy        
,protection ,act4  #b4 ,treatm5t (      
prescre5+ report reque/s ,section       
#fjd7;c7 ( ! ,fair ,cr$it ,report+ ,act 
7#ae ,u4,s4,c4 #afha;b7c77 is am5d$ by  
add+ at ! end ! foll[+3  7#d7 ,treatm5t 
( prescre5+ report reque/s  7,a7        
,def9itions ,9 ?is p>agraph3 7i7 ,insur$
 cr$it union ,! t]m insur$ cr$it union  
has ! mean+ giv5 ! t]m 9 section #aja ( 

! ,f$]al ,cr$it ,union ,act 7#ab        
,u4,s4,c #ageb74  7ii7 ,insur$          
depository in/itution ,! t]m insur$     
depository in/itution has ! mean+ giv5 !
 t]m 9 section #c ( ! ,f$]al ,deposit   
,insurance ,act 7#ab ,u4,s4,c4          
#ahac7;c774  7iii7 ,resid5tial mortgage 
loan ,! t]m resid5tial mortgage loan has
 ! mean+ giv5 ! t]m 9 section #aejc ( ! 
,s4,a4,f4,e4 ,mortgage ,lic5s+ ,act (   
#bjjh 7#ab ,u4,s4,c4 #eajb74  7iv7      
,s]vic] ,! t]m s]vic] has ! mean+ giv5 !
 t]m 9 section #f7;i7 ( ! ,real ,e/ate  
,settlem5t ,proc$ures ,act ( #aigd 7#ab 
,u4,s4,c4 #bfje7;i774  7,b7 ,limitation 
,if a p]son reque/s a consum] report f a
 consum] report+ ag5cy 9 connection ) a 
cr$it transaction involv+ a resid5tial  
mortgage loan1 t ag5cy may n1 solely on 
! basis ( t reque/1 furni% t consum]    
report to ano!r p]son unless t o!r      
p]son-- 7i7 has submitt$ docum5tation to
 t ag5cy c]tify+ t su* o!r p]son has1   
pursuant to p>agraph 7#a71 !            
au?orization ( ! consum] to :om !       

consum] report relates2 or  7ii7 7,i7   
has orig9at$ ! curr5t resid5tial        
mortgage loan ( ! consum]2  7,,ii7 is ! 
s]vic] ( ! curr5t resid5tial mortgage   
loan ( ! consum]2 or  7,,iii7 7aa7 is an
 insur$ depository in/itution or insur$ 
cr$it union2 &  7bb7 holds a curr5t     
acc\nt = ! consum] to :om ! consum]     
report relates4  4