,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #ihij  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,octob] #a1 #bjbd,mr4 
,bacon 7= himself & ,ms4 ,p]ez7         
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to require report+ c]ta9 positive 
consum] cr$it in=mation1 & = o!r        
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,report+ ,m$ical ,debt     
,paym5ts z ,positive ,consum] ,cr$it    
,in=mation ,act ( #bjbd4  #b4 ,positive 
cr$it report+ ( m$ical debt paym5ts     
p]mitt$  7a7 ,9 g5]al ,section #fbc ( ! 
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afhas-#b7 is am5d$ by add+ at
 ! end ! foll[+3  7f7 ,positive cr$it   
report+ ( m$ical debt paym5ts  7#a7     
,treatm5t ( paid or settl$ m$ical debt  
,a furni%] ( m$ical debt in=mation may  
furni% to a consum] report+ ag5cy       
in=mation relat+ to m$ical debt paid or 
settl$ by a consum] :i* ant$ates !      
consum] report ( ! consum] by "o ye>4   

7#b7 ,treatm5t ( m$ical debt paym5t plan
 ,a furni%] ( m$ical debt in=mation may 
furni% to a consum] report+ ag5cy       
in=mation relat+ to ! satisfactory      
p]=mance ( a consum] meet+ ! obligations
 ( a paym5t plan = a m$ical debt own$ by
 su* furni%] if-- 7,a7 su* furni%] & !  
consum] h ent]$ into a paym5t plan )    
respect to ! m$ical debt2 &  7,b7 !     
consum] is meet+ ! obligations ( !      
paym5t plan1 z det]m9$ by su* furni%]4  
7#c7 ,reasonable proc$ures = positive   
consum] cr$it in=mation f furni%]s (    
m$ical debt ,consum] report+ ag5cies &  
cr$it score provid]s %all adopt         
reasonable proc$ures = positive         
in=mation relat+ to a consum]'s m$ical  
debt describ$ 9 ?is subsection s t su*  
in=mation is-- 7,a7 includ$ 9 a consum] 
report2  7,b7 utiliz$ 9 ! g5]ation ( any
 cr$it score2 &  7,c7 provid$ to us]s ( 
consum] reports & cr$it scores 9 a mann]
 :i* is fair & equitable to ! consum] 9 
accordance ) ! requirem5ts ( ?is title4 
7#d7 ,def9itions ,9 ?is subsection3 7,a7

 ,cr$it score ,! t]m cr$it score has !  
mean+ giv5 9 section #fji7;f77#b74  7,b7
 ,cr$it score provid] ,! t]m cr$it score
 provid] means an entity t g5]ates &    
makes available a cr$it score to a      
p]son4  7,c7 ,furni%] ( m$ical debt     
in=mation ,! t]m furni%] ( m$ical debt  
in=mation means an entity t-- 7i7 owns a
 m$ical debt2 &  7ii7 provides to a     
consum] report+ ag5cy in=mation relat+  
to transactions1 acc\nts1 balances1     
repaym5t t]ms1 repaym5t hi/ory1 & simil>
 in=mation relat+ to su* m$ical debt4   
7,d7 ,m$ical debt ,! t]m m$ical debt    
means a debt aris+ f ! receipt ( m$ical 
s]vices1 products1 or devices4  4