,,ii  #aahth ,,congress  #b;d ,session  
,s4 #ddee  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,june #d1      
#bjbd,mr4 ,coons 7for himself and ,mr4  
,tillis7 introduced the following bill2 
which was read twice and referred to the
 ,committee on ,banking1 ,housing1 and  
,urban ,affairs  ,a ,,bill  ,to amend   
the ,fair ,credit ,reporting ,act to    
prohibit consumer reporting agencies    
from furnishing consumer reports        
containing adverse items of information 
about a consumer that resulted from that
 consumer being unlawfully or wrongfully
 detained abroad or held hostage abroad4
  #a4 ,short title ,this ,act may be    
cited as the ,fair ,credit for ,american
 ,hostages ,act4  #b4 ,adverse          
information about consumers unlawfully  
or wrongfully detained abroad or held   
hostage abroad  7a7 ,in general ,the    
,fair ,credit ,reporting ,act 7#ae      
,u4,s4,c4 #afha et seq47 is amended by  
inserting after section #fje;,c the     
following3  #fje;,d4 ,adverse           

information about consumers unlawfully  
or wrongfully detained abroad or held   
hostage abroad  7a7 ,definitions ,in    
this section3 7#a7 ,covered consumer    
,the term covered consumer means an     
individual who has been-- 7,a7 a ,united
 ,states national unlawfully or         
wrongfully detained abroad1 as          
determined under section #cjb7;a7 of the
 ,robert ,levinson ,hostage ,recovery   
and ,hostage-,taking ,accountability    
,act 7#bb ,u4,s4,c4 #agda7;a772 or  7,b7
 a ,united ,states national taken       
hostage abroad1 as determined by the    
,hostage ,recovery ,fusion ,cell 7as    
described in section #cjd of the ,robert
 ,levinson ,hostage ,recovery and       
,hostage-,taking ,accountability ,act   
7#bb ,u4,s4,c4 #agda;b74  7#b7          
,detention or hostage documentation ,the
 term detention or hostage documentation
 means-- 7,a7 documentation of a        
determination that a consumer is a      
covered consumer1 including the time    
period during which the consumer was a  

covered consumer made by a ,federal     
entity2 and  7,b7 documentation that    
identifies items of adverse information 
that should not be furnished by a       
consumer reporting agency because the   
items were about a consumer during the  
time period the consumer was a covered  
consumer4  7b7 ,adverse information ,a  
consumer reporting agency may not       
furnish a consumer report containing any
 adverse item of information about a    
covered consumer if the covered consumer
 has provided detention or hostage      
documentation to the consumer reporting 
agency4  7c7 ,rulemaking  7#a7 ,in      
general ,not later than #ahj days after 
the date of the enactment of this       
section1 the ,director shall issue rules
 to implement subsection 7a74  7#b7     
,contents ,the rules issued pursuant to 
paragraph 7#a7 shall establish a method 
by which consumers or legal             
representatives of consumers shall      
submit detention or hostage             
documentation to consumer reporting     

agencies4  4  7b7 ,table of contents    
amendment ,the table of contents of the 
,fair ,credit ,reporting ,act is amended
 by inserting after the item relating to
 section #fje;,c the following3         
#fje;,d4 ,adverse information about     
consumers unlawfully or wrongfully      
detained abroad or held hostage abroad4 
4  7c7 ,application ,the amendments made
 by this section shall apply on the date
 that is #cj days after the date on     
which the ,director of the ,bureau of   
,consumer ,financial ,protection issues 
a rule pursuant to section #fje;,d7c7 of
 the ,fair ,credit ,reporting ,act1 as  
added by subsection 7a7 of this section4
 ,any rule issued by the ,director to   
implement such section #fje;,d shall be 
limited to preventing a consumer        
reporting agency from furnishing a      
consumer report containing any adverse  
item of information about a covered     
consumer 7as such terms are defined1    
respectively1 in section #fjc the ,fair 
,credit ,reporting ,act 7#ae ,u4,s4,c4  

#afha;a774