,,ii  #aah? ,,congress  #a/ ,session    
,s4 #cejb  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,decemb] #ac1 #bjbc,mr4
 ,re$ 7= himself & ,mr4 ,hag]ty7        
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,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