,,ii  #aah? ,,congress  #b;d ,session   
,s4 #ddee  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #d1 #bjbd,mr4    
,coons 7= himself & ,mr4 ,tillis7       
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$it ,report+
 ,act to prohibit consum] report+       
ag5cies f furni%+ consum] reports       
conta9+ adv]se items ( in=mation ab\t a 
consum] t result$ f t consum] be+       
unlawfully or wrongfully deta9$ abroad  
or held ho/age abroad4  #a4 ,%ort title 
,?is ,act may be cit$ z ! ,fair ,cr$it =
 ,am]ican ,ho/ages ,act4  #b4 ,adv]se   
in=mation ab\t consum]s unlawfully or   
wrongfully deta9$ abroad or held ho/age 
abroad  7a7 ,9 g5]al ,! ,fair ,cr$it    
,report+ ,act 7#ae ,u4,s4,c4 #afha et   
seq47 is am5d$ by ins]t+ aft] section   
#fje;,c ! foll[+3  #fje;,d4 ,adv]se     
in=mation ab\t consum]s unlawfully or   
wrongfully deta9$ abroad or held ho/age 
abroad  7a7 ,def9itions ,9 ?is section3 

7#a7 ,cov]$ consum] ,! t]m cov]$ consum]
 means an individual :o has be5-- 7,a7 a
 ,unit$ ,/ates national unlawfully or   
wrongfully deta9$ abroad1 z det]m9$ "u  
section #cjb7;a7 ( ! ,rob]t ,lev9son    
,ho/age ,recov]y & ,ho/age-,tak+        
,acc\ntability ,act 7#bb ,u4,s4,c4      
#agda7;a772 or  7,b7 a ,unit$ ,/ates    
national tak5 ho/age abroad1 z det]m9$  
by ! ,ho/age ,recov]y ,fusion ,cell 7z  
describ$ 9 section #cjd ( ! ,rob]t      
,lev9son ,ho/age ,recov]y &             
,ho/age-,tak+ ,acc\ntability ,act 7#bb  
,u4,s4,c4 #agda;b74  7#b7 ,det5tion or  
ho/age docum5tation ,! t]m det5tion or  
ho/age docum5tation means-- 7,a7        
docum5tation ( a det]m9ation t a consum]
 is a cov]$ consum]1 includ+ ! "t p]iod 
dur+ :i* ! consum] 0 a cov]$ consum]    
made by a ,f$]al entity2 &  7,b7        
docum5tation t id5tifies items ( adv]se 
in=mation t %\ld n be furni%$ by a      
consum] report+ ag5cy because ! items 7 
ab\t a consum] dur+ ! "t p]iod ! consum]
 0 a cov]$ consum]4  7b7 ,adv]se        

in=mation ,a consum] report+ ag5cy may n
 furni% a consum] report conta9+ any    
adv]se item ( in=mation ab\t a cov]$    
consum] if ! cov]$ consum] has provid$  
det5tion or ho/age docum5tation to !    
consum] report+ ag5cy4  7c7 ,rulemak+   
7#a7 ,9 g5]al ,n lat] ?an #ahj days aft]
 ! date ( ! enactm5t ( ?is section1 !   
,director %all issue rules to implem5t  
subsection 7a74  7#b7 ,cont5ts ,! rules 
issu$ pursuant to p>agraph 7#a7 %all    
e/abli% a me?od by :i* consum]s or legal
 repres5tatives ( consum]s %all submit  
det5tion or ho/age docum5tation to      
consum] report+ ag5cies4  4  7b7 ,table 
( cont5ts am5dm5t ,! table ( cont5ts ( !
 ,fair ,cr$it ,report+ ,act is am5d$ by 
ins]t+ aft] ! item relat+ to section    
#fje;,c ! foll[+3  #fje;,d4 ,adv]se     
in=mation ab\t consum]s unlawfully or   
wrongfully deta9$ abroad or held ho/age 
abroad4  4  7c7 ,application ,! am5dm5ts
 made by ?is section %all apply on !    
date t is #cj days aft] ! date on :i* ! 
,director ( ! ,bureau ( ,consum]        

,f9ancial ,protection issues a rule     
pursuant to section #fje;,d7c7 ( ! ,fair
 ,cr$it ,report+ ,act1 z add$ by        
subsection 7a7 ( ?is section4 ,any rule 
issu$ by ! ,director to implem5t su*    
section #fje;,d %all be limit$ to       
prev5t+ a consum] report+ ag5cy f       
furni%+ a consum] report conta9+ any    
adv]se item ( in=mation ab\t a cov]$    
consum] 7z su* t]ms are def9$1          
respectively1 9 section #fjc ! ,fair    
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;a774