#aah? ,,congress  #b;d ,session  ,s4    
#acaf  ,,an ,,act  ,to am5d ! ,fair     
,cr$it ,report+ ,act to exp& ! def9ition
 ( an active duty milit>y consum] =     
purposes ( c]ta9 cr$it monitor+         
requirem5ts1 & = o!r purposes4  #a4     
,cr$it monitor+ ,! ,fair ,cr$it ,report+
 ,act 7#ae ,u4,s4,c4 #afha et seq47 is  
am5d$-- 7#a7 9 section #fje;,a7k7 7#ae  
,u4,s4,c4 #afha;c-#a7k77-- 7,a7 by /rik+
 p>agraph 7#a7 & ins]t+ ! foll[+3  7#a7 
,def9itions ,9 ?is subsection3 7,a7     
,arm$ =ces ,! t]m arm$ =ces has ! mean+ 
giv5 ! t]m 9 section #aja7;a7 ( title   
#aj1 ,unit$ ,/ates ,code4  7,b7 ,arm$   
=ces memb] consum] ,! t]m arm$ =ces     
memb] consum] means a consum] :o1       
reg>dless ( duty /atus1 is a memb] ( !  
arm$ =ces4  2 &  7,b7 9 p>agraph        
7#b77;,a71 by /rik+ active duty milit>y 
consum] & ins]t+ arm$ =ces memb]        
consum]2 &  7#b7 9 section              
#fbe7;b77#a77,k7 7#ae ,u4,s4,c4         
#afhat7b77#a77,k771 by /rik+ active duty
 milit>y consum]s & ins]t+ arm$ =ces    

memb] consum]s4  ,pass$ ! ,s5ate        
,novemb] #ac1 #bjbd4,secret>y