,,ib ,union ,cal5d> ,no4 #acc #aai?     
,,congress  #a/ ,session  ,h4 ,r4 #bhjh 
,report ,no4 #aai-aff ,,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  ,june #bj1          
#bjbe;,additional sponsors3 ,mrs4       
,mc,clain1 ,ms4 ,williams ( ,georgia1   
,mrs4 ,beatty1 ,mr4 ,cr[1 ,mr4 ,?ompson 
( ,mississippi1 ,mr4 ,ezell1 ,ms4 ,de   
,la ,cruz1 ,mr4 ,flood1 ,mr4 ,meus]1    
,mr4 ,h]n ( ,oklahoma1 ,mr4 ,bu*anan1   

,mr4 ,bi%op1 ,mr4 ,fo/]1 ,mr4 ,%]man1   
,mr4 ,ru!r=d1 ,mr4 ,al=d1 ,mr4 ,mrvan1  
,mr4 ,gro?man1 ,mr4 ,moore ( ,nor?      
,c>ol9a1 ,mr4 ,h>idopolos1 ,mr4 ,web/] (
 ,florida1 ,mr4 ,case1 ,mr4 ,kiley (    
,cali=nia1 ,mr4 ,bacon1 ,mr4 ,davidson1 
,mr4 ,f9/ad1 ,mr4 ,v9dman1 ,mr4 ,gold5 (
 ,ma9e1 ,mr4 ,huiz5ga1 ,mr4 ,donalds1   
,mr4 ,/utzman1 ,mr4 ,mann1 ,mr4 ,lawl]1 
,mr4 ,bur*ett1 ,mr4 ,got!im]1 ,ms4      
,velzquez1 ,mr4 ,lyn*1 ,mr4 ,meeks1 ,ms4
 ,mc,bride1 ,mr4 ,s*midt1 ,mr4 ,cl9e1   
,mr4 ,la,hood1 ,mr4 ,fleis*mann1 ,mrs4  
,fis*ba*1 ,mr4 ,sor5s51 ,mrs4 ,luna1    
,mr4 ,smuck]1 ,ms4 ,craig1 ,mr4 ,b>rett1
 ,mr4 ,d[n+1 ,mr4 ,david ,scott (       
,georgia1 ,mr4 ,norman1 ,ms4 ,bynum1    
,ms4 ,ross1 ,mr4 ,sessions1 ,mr4        
,licc>do1 ,mr4 ,tiffany1 ,mrs4 ,kiggans 
( ,virg9ia1 ,mr4 ,cl\d1 ,ms4 ,kelly (   
,ill9ois1 ,mr4 ,s*neid]1 & ,mrs4 ,h9son 
,june #bj1 #bjbe,report$ ) an am5dm5t1  
committ$ to ! ,committee ( ! ,:ole ,h\se
 on ! ,/ate ( ! ,union1 & ord]$ to be   
printed,strike out all aft] ! enact+    

clause & ins]t ! "p pr9t$ 9 italic,for  
text ( introduc$ bill1 see copy ( bill z
 introduc$ on ,april #aj1 #bjbe  ,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
  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      
,june #bj1 #bjbe,report$ ) an am5dm5t1  
committ$ to ! ,committee ( ! ,:ole ,h\se
 on ! ,/ate ( ! ,union1 & ord]$ to be   
pr9t$