#aai? ,,congress  #a/ ,session  ,h4 ,r4 
#bhjh  ,,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  7a7 ,9 g5]al  
,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$1 
respectively1 9 section #aja ( ! ,f$]al 
,cr$it ,union ,act 7#ab ,u4,s4,c4       
#ageb74  7ii7 ,insur$ 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--  7i7 ! transaction  
consi/s ( a firm (f] ( cr$it or         
insurance2 &  7ii7 t o!r p]son--  7,i7  
has submitt$ 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  7,,ii7 7aa7 has orig9at$ a curr5t  
resid5tial mortgage loan ( ! consum] to 
:om ! consum] report relates2  7bb7 is !
 s]vic] ( a curr5t resid5tial mortgage  

loan ( ! consum] to :om ! consum] report
 relates2 or  7cc7 7,,aa7 is an insur$  
depository in/itution or cr$it union2 & 
7,,bb7 holds a curr5t acc\nt = ! consum]
 to :om ! consum] report relates4  4    
#c4 ,effective date ,?is ,act1 & !      
am5dm5ts made by ?is ,act1 %all take    
effect on ! date t is #ahj days aft] !  
date ( enactm5t ( ?is ,act4  #d4 ,,gao  
/udy  7a7 ,9 g5]al ,! ,comptroll] ,g5]al
 ( ! ,unit$ ,/ates %all c>ry out a /udy 
on ! value ( trigg] leads receiv$ by    
text message t includes input f ,/ate   
regulatory ag5cies1 mortgage l5d]s1     
depository in/itutions 7z def9$ 9       
section #c ( ! ,f$]al ,deposit          
,insurance ,act 7#ab ,u4,s4,c4 #ahac771 
consum] report+ ag5cies 7z def9$ 9      
section #fjc ( ! ,fair ,cr$it ,report+  
,act 7#ae ,u4,s4,c4 #afha;a771 &        
consum]s4  7b7 ,report ,n lat] ?an ! end
 ( ! #ab-mon? p]iod beg9n+ on ! date (  
enactm5t ( ?is ,act1 ! ,comptroll]      
,g5]al %all submit to ,congress a report
 conta9+ any f9d+s & det]m9ations made 9

 ! /udy requir$ by subsection 7a74      
,pass$ ! ,h\se ( ,repres5tatives ,june  
#bc1 #bjbe4;,cl]k4