#aah? ,,congress  #b;d ,session  ,s4    
#cejb  ,,an ,,act  ,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 ,cr$it 
union ,! t]m cr$it union means a ,f$]al 
cr$it union or a ,/ate cr$it union1 z ^?
 t]ms are def9$ 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 bas$ 9    
:ole or 9 "p on t reque/1 furni% a      
consum] report to ano!r p]son "u ?is    
subsection 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#a77;,a71 ! au?orization ( !  
consum] to :om ! consum] report relates2
 or  7ii7 7,i7 has orig9at$ a curr5t    
resid5tial mortgage loan ( ! consum] to 
:om ! consum] report relates2  7,,ii7 is
 ! s]vic] ( a curr5t resid5tial mortgage
 loan ( ! consum] to :om ! consum]      
report relates2 or  7,,iii7 7aa7 is an  
insur$ depository in/itution or cr$it   

union2 &  7bb7 holds a curr5t acc\nt = !
 consum] to :om ! consum] report        
relates4  4  #c4 ,effective date ,?is   
,act1 & ! am5dm5ts made by ?is ,act1    
%all take effect on ! date t is #ij days
 aft] ! date ( enactm5t ( ?is ,act4     
,pass$ ! ,s5ate ,decemb] #ag            
7legislative day1 ,decemb] #af71        
#bjbd4,secret>y