,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #gheg  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,april #b1 #bjbd,mr4  
,fitzg]ald 7= himself1 ,mr4 ,meus]1 &   
,mr4 ,mooney7 introduc$ ! foll[+ bill2  
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to      
require ! ,director ( ! ,f$]al ,h\s+    
,f9ance ,ag5cy to issue a rule to       
condition ! pur*ase ( a resid5tial      
mortgage loan on ! deliv]y ( cr$it      
reports & cr$it scores f ea* consum]    
report+ ag5cy t compiles & ma9ta9s files
 on consum]s on a nationwide basis1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,accurate ,cr$it       
,report+ = ,homebuy]s ,act4  #b4        
,requir$ deliv]y ( cr$it reports & cr$it
 scores ,section #acbh ( ! ,f$]al ,h\s+ 
,ent]prises ,f9ancial ,safety &         
,s\ndness ,act ( #aiib 7#ab ,u4,s4,c4   
#dedh7 is am5d$-- 7#a7 by /rik+ ,!      
,director %all-- & ins]t+ ! foll[+3  7a7
 ,9 g5]al ,! ,director %all--  2 &  7#b7
 by add+ at ! end ! foll[+3  7b7        

,requir$ deliv]y ( cr$it report & cr$it 
scores  7#a7 ,9 g5]al ,! ,director %all1
 n lat] ?an #a ye> aft] ! date ( !      
enactm5t ( ?is subsection1 by rule1     
require ea* ent]prise to condition !    
pur*ase ( a resid5tial mortgage loan on 
! deliv]y ( ! borr[]'s consum] report & 
cr$it score f ea* consum] report+ ag5cy 
t complies & ma9ta9s files on consum]s  
on a nationwide basis t-- 7,a7 has a    
consum] report & cr$it score = su*      
borr[]2 &  7,b7 uses a borr[]'s cr$it   
score f ea* cr$it scor+ model validat$1 
approv$1 & implem5t$ by ! ent]prise4    
7#b7 ,effective date ( rule ,! ,director
 %all1 :5 issu+ ! rule requir$ "u       
p>agraph 7#a71 ensure t su* rule takes  
effect 9 a mann] t w prev5t sub/antial  
m>ket disruptions4  7#c7 ,def9itions ,9 
?is subsection3 7,a7 ,consum] report+   
ag5cy t compiles & ma9ta9s files on     
consum]s on a nationwide basis ,! t]m   
consum] report+ ag5cy t compiles &      
ma9ta9s files on consum]s on a          
nationwide basis has ! mean+ giv5 ! t]m 

9 section #fjc7p7 ( ! ,fair ,cr$it      
,report+ ,act4  7,b7 ,cr$it score ,! t]m
 cr$it score has ! mean+ giv5 ! t]m 9   
section #fji7;f7 ( ! ,fair ,cr$it       
,report+ ,act4  7,c7 ,consum] report ,! 
t]m consum] report has ! mean+ giv5 !   
t]m 9 section #fjc7;d7 ( ! ,fair ,cr$it 
,report+ ,act4  7,d7 ,resid5tial        
mortgage ,! t]m resid5tial mortgage has 
! mean+ giv5 ! t]m 9 section #cjb7;h7 ( 
! ,f$]al ,home ,loan ,mortgage          
,corporation ,act4  4