,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #bhjh  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,april #aj1 #bjbe,mr4 
,rose 7= himself1 ,mr4 ,torres ( ,new   
,york1 ,mr4 ,g>b>9o1 ,mr4 ,nunn ( ,i[a1 
,mr4 ,amodei ( ,nevada1 ,mr4 ,amo1 ,mr4 
,neguse1 ,ms4 ,norton1 ,mr4 ,ogles1 ,mr4
 ,/eil1 ,mr4 ,wittman1 ,mr4 ,lucas1 ,mr4
 ,johnson ( ,s\? ,dakota1 ,mr4 ,timmons1
 ,mr4 ,b]gman1 ,ms4 ,br[nley1 ,mr4      
,suozzi1 ,mr4 ,mool5a>1 ,mr4 ,cleav]1   
,mrs4 ,bice1 ,mr4 ,fields1 ,mr4 ,smi? ( 
,nebraska1 ,mr4 ,scott ,frankl9 (       
,florida1 ,mr4 ,ku/(f1 ,mr4 ,kelly (    
,mississippi1 ,ms4 ,pett]s51 ,mr4 ,gue/1
 & ,mr4 ,fitzpatrick7 introduc$ ! foll[+
 bill2 :i* 0 ref]r$ to ! ,committee on  
,f9ancial ,s]vices  ,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 ,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,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