,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #cjf  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,janu>y #i1 #bjbe,ms4 
,mc,bride 7= h]self & ,mrs4 ,kim7       
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,cr$it ,repair       
,organizations ,act to add additional   
protections aga9/ h>mful practices )9 ! 
cr$it repair organization indu/ry1 & =  
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,end+ ,scam ,cr$it     
,repair ,act or ! ,,escra ,act4  #b4    
,cr$it ,repair ,organization def9ition  
,section #djc7c7 ( ! ,cr$it ,repair     
,organizations ,act 7#ae ,u4,s4,c4      
#afgi;a7#c77-- 7#a7 9 subp>agraph 7,a71 
by ins]t+ 7n includ+ any?+ receiv$ 9    
return = repres5t+ a consum] 9          
prep>ation = or dur+ litigation7 aft]   
consid]ation2 &  7#b7 9 subp>agraph     
7,b7-- 7,a7 by ins]t+ an entity or      
individual t is1 9 good fai? & n = !    
purpose ( evad+ ?is title aft] include2 
7,b7 9 clause 7ii71 by /rik+ or2  7,c7 9

 clause 7iii71 by /rik+ ! p]iod & ins]t+
 2 or2 &  7,d7 by add+ at ! end !       
foll[+3  7iv7 any attorney t provides   
legal s]vices r5d]$ or to be r5d]$ to a 
consum] 9 contemplation ( or 9          
connection ) a case fil$1 or to be fil$ 
)9 #ab mon?s1 "u title #aa or title #ae1
 ,unit$ ,/ates ,code1 by an attorney )9 
! same law firm4  4  #c4 ,prohibit$     
practices  7a7 ,untrue or mislead+      
/atem5ts  7#a7 ,9 g5]al ,section        
#djd7;a77#a7 ( ! ,cr$it ,repair         
,organizations ,act 7#ae ,u4,s4,c4      
#afgi;b7a77#a77 is am5d$-- 7,a7 by      
ins]t+ kn[+ly be=e make any /atem5t1 or2
  7,b7 9 subp>agraph 7,a71 by /rik+ or 2
 &  7,c7 by add+ at ! end ! foll[+3     
7,c7 ! ,bureau ( ,consum] ,f9ancial     
,protection directly or ?r\gh an onl9e  
portal e/abli%$ to receive compla9ts1   
disputes1 or reports ( fraud2  7,d7 !   
,f$]al ,trade ,commission directly or   
?r\gh an onl9e portal e/abli%$ to       
receive compla9ts1 disputes1 or reports 
( fraud2 or  7,e7 any ,f$]al1 ,/ate1    

local1 or ,tribal law en=cem5t ag5cy1   
directly or ?r\gh an onl9e portal       
e/abli%$ to receive compla9ts1 disputes1
 or reports ( fraud2  4  7#b7 ,f9d+ ,!  
,congress f9ds t x is already unlawful  
to make mat]ially false1 fictiti\s1 or  
fraudul5t /atem5ts or repres5tations to 
! ,bureau ( ,consum] ,f9ancial          
,protection4  7b7 ,additional prohibit$ 
practices ,section #djd ( ! ,cr$it      
,repair ,organizations ,act 7#ae        
,u4,s4,c4 #afgi;b7 is am5d$-- 7#a7 9    
subsection 7a77#b7-- 7,a7 9 subp>agraph 
7,b77ii71 by ins]t+ or aft] cr$it22 &   
7,b7 by add+ at ! end ! foll[+3  7,c7 ! 
,bureau ( ,consum] ,f9ancial ,protection
 or ! ,f$]al ,trade ,commission2  2     
7#b7 by am5d+ subsection 7b7 to read z  
foll[s3  7b7 ,paym5t 9 ,advance  7#a7 ,9
 g5]al ,no cr$it repair organization may
 reque/ or receive paym5t ( any fee or  
consid]ation f a consum] = s]vices      
repres5t$ to remove d]ogatory or        
inaccurate in=mation f1 or improve1 su* 
consum]'s cr$it hi/ory1 cr$it record1 or

 cr$it rat+1 or s]vices relat$ to su* a 
repres5tation1 until ! cr$it repair     
organization has provid$ su* consum] )  
docum5tation 9 ! =m ( a consum] report1 
issu$ n less ?an #f mon?s aft] su*      
s]vice1 f a consum] report+ ag5cy t     
demon/rates t su* repres5tation has be5 
a*iev$4  7#b7 ,rule ( con/ruction ,no?+ 
9 ?is subsection %all be con/ru$ to alt]
 ! p]missible purposes ( furni%+ a      
consum] report describ$ 9 section #fjd (
 ! ,fair ,cr$it ,report+ ,act4  2 &     
7#c7 by add+ at ! end ! foll[+3  7c7    
,jamm+ ,a cr$it repair organization may 
n submit multiple disputes describ$ 9   
section #faa ( ! ,fair ,cr$it ,report+  
,act ( ! same in=mation unless all ( !  
foll[+ are true3 7#a7 ,! consum] report+
 ag5cy or data furni%] has _h ! "t      
p]mitt$ "u ! ,fair ,cr$it ,report+ ,act 
to conduct a reasonable inve/igation on 
! prior dispute4  7#b7 ,! consum]       
report+ ag5cy or data furni%] has       
return$ ! results ( its inve/igation to 
! consum] ) respect to su* dispute1     

unless !re are mat]ial *anges to !      
in=mation submitt$ ) ! dispute4  7#c7 ,!
 cr$it repair organization includes ) ! 
resubmitt$ dispute a specific           
description ( :at in=mation is          
inaccurate4  4  #d4 ,disclosures        
,section #dje ( ! ,cr$it ,repair        
,organizations ,act 7#ae ,u4,s4,c4      
#afgi;c7 is am5d$-- 7#a7 9 subsection   
7a7-- 7,a7 by /rik+ due to fraud4 &     
ins]t+ due to fraud4 ,cr$it repair      
organizations d n provide any s]vices t 
y _c d y\rself = free42  7,b7 by /rik+  
regulates & ins]t+ & ! ,bureau (        
,consum] ,f9ancial ,protection regulate2
 &  7,c7 by ins]t+ ,! ,bureau ( ,consum]
 ,f9ancial ,protection #agjj ,g ,/4     
,,nw1 ,wa%+ton1 ,,dc1 #bjeeb ,tel3      
#hee-daa-bcgb ,,tty_/,,ttd3             
#hee-gbi-bcgb aft] #bjehj2 &  7#b7 9    
subsection 7c7-- 7,a7 9 p>agraph 7#a71  
by /rik+ ! p]iod at ! end & ins]t+ & any
 record+s ( telephone communications ) !
 consum]42 &  7,b7 9 p>agraph 7#b7-- 7i7
 by /rik+ #b 9 ! head+ & ins]t+ #e2     

7ii7 by ins]t+ & any telephone record+s 
) ! consum] aft] consum]'s /atem5t2     
7iii7 by /rik+ #b & ins]t+ #e2 &  7iv7  
by /rik+ /atem5t is sign$ by ! consum] &
 ins]t+ /atem5t or ! telephone record+s 
are creat$4  #e4 ,consum] contract      
requir$  7a7 ,9 g5]al ,section #djg7;c7 
( ! ,cr$it ,repair ,organizations ,act  
7#ae ,u4,s4,c4 #afgi;e7c77 is am5d$ by  
add+ at ! end ! foll[+3  7#c7 copies (  
all communications s5t on behalf ( !    
consum]1 at ! "t ! communication is s5t4
  4  7b7 ,te*nical am5dm5t ,section     
#djg7;c7 ( ! ,cr$it ,repair             
,organizations ,act 7#ae ,u4,s4,c4      
#afgi;e7c77 is am5d$-- 7#a7 by /rik+ at 
! "t ! contract or ! o!r docum5t is     
sign$42  7#b7 9 p>agraph 7#a71 by /rik+ 
2 & ins]t+ 1 at ! "t ! contract or ! o!r
 docum5t is sign$22 &  7#c7 9 p>agraph  
7#b71 by add+ at ! end at ! "t !        
contract or ! o!r docum5t is sign$2 &4  
#f4 ,noncompliance ,section #djh ( !    
,cr$it ,repair ,organizations ,act 7#ae 
,u4,s4,c4 #afgi;f7 is am5d$ by add+ at !

 end foll[+3  7d7 ,legal s]vices )9     
cr$it repair organizations ,a cr$it     
repair organization %all be subject to  
?is title reg>dless ( :e!r !            
organization is1 or employs1 an attorney
 :o also provides legal s]vices to a    
consum]1 except if su* attorney is an   
attorney describ$ 9 section             
#djc7c77;,b77iv74  7e7 ,cr$it repair    
organizations )\t a ,/ate lic5se ,on or 
aft] ,janu>y #a1 #bjbf1 no p]son may act
 z a cr$it repair organization unless   
su* p]son is lic5s$ by a ,/ate4  4  #g4 
,cr$it repair organization              
communications ) furni%]s ( in=mation   
7a7 ,9 g5]al ,! ,cr$it ,repair          
,organizations ,act 7#ae ,u4,s4,c4 #afgi
 et seq47 is am5d$ by ins]t+ aft]       
section #djh ! foll[+ new section3      
#djh;,a4 ,cr$it repair organization     
communications ) furni%]s ( in=mation   
,disputes submitt$ to a p]son :o        
furni%es in=mation to a consum] report+ 
ag5cy by or on behalf ( a cr$it repair  
organization %all meet ! foll[+         

requirem5ts3 7#a7 ,if s5t by mail1 !    
dispute %all be transmitt$ by fir/ class
 mail & li/ on ! envelope !-- 7,a7 "n ( 
! cr$it repair organization2 &  7,b7    
,/ate lic5se numb] ( ! cr$it repair     
organization1 if applicable4  7#b7 ,!   
dispute %all li/ !-- 7,a7 "n ( ! cr$it  
repair organization2  7,b7 ,/ate lic5se 
numb] ( ! cr$it repair organization1 if 
applicable2 &  7,c7 "n ( ! consum] on ^:
 behalf ! dispute is submitt$4  7#c7 ,9 
! case ( any additional communication   
aft] an initial dispute1 ! additional   
communication %all cle>ly & conspicu\sly
 id5tify any mat]ial *anges to !        
in=mation provid$ 9 ! initial writt5    
dispute & include ! in=mation describ$ 9
 p>agraphs 7#a7 & 7#b74  7#d7 ,9 ! case 
:]e a cr$it repair organization sells or
 o!rwise provides an onl9e or pap] blank
 dispute =m to be complet$ & fil$ by !  
consum]1 su* =m mu/ conta9 !-- 7,a7 "n &
 address ( su* cr$it repair             
organization2 &  7,b7 ,/ate lic5se numb]
 ( su* cr$it repair organization1 if    

applicable4  7#e7 ,9 ! case :]e ! p]son 
responds to a dispute submitt$ by a     
cr$it repair organization seek+ cl>ify+ 
in=mation1 v]ify+ if ! cu/om] has       
actually engag$ ) ! cr$it repair        
organization1 or d5y+ ! accuracy ( !    
und]ly+ claim1 ! cr$it repair           
organization %all respond 9 writ+ )9 #ae
 bus9ess days4  7#f7 ,9 ! case :]e !    
cr$it repair organization is an         
attorney1 ! attorney %all c]tify t any  
communication is consi/5t ) any         
in=mation or docum5tation provid$ by !  
consum]1 confirm$ bas$ ^u me?ods or     
means prov5 to be hi/orically reliable &
 accurate4  7#g7 ,a cr$it repair        
organization1 :5 s5d+ a dispute1 %all   
disclose ! fact t x is a cr$it repair   
organization by plac+ ! foll[+          
disclosure on ! dispute lett]3 ,?is     
communication 0 submitt$ or prep>$ on   
behalf ( ! consum] by a cr$it repair    
organization1 z def9$ 9 section #djc ( !
 ,cr$it ,repair ,organizations ,act 7#ae
 ,u4,s4,c4 #afgi;a74  4  7b7 ,cl]ical   

am5dm5t ,! table ( cont5ts = ! ,cr$it   
,repair ,organizations ,act is am5d$ by 
ins]t+ aft] ! item relat+ to section    
#djh ! foll[+3  #djh;,a4 ,cr$it repair  
organization communications ) furni%]s (
 in=mation4  4  #h4 ,civil liability    
,section #dji7;a77#a7 ( ! ,cr$it ,repair
 ,organizations ,act 7#ae ,u4,s4,c4     
#afgi;g7a77#a77 is am5d$-- 7#a7 by /rik+
 ,actual damages & ins]t+ ,damages2     
7#b7 9 subp>agraph 7,a71 by /rik+ or2   
7#c7 9 subp>agraph 7,b71 by /rik+ !     
p]iod at ! end & ins]t+ 2 or2 &  7#d7 by
 add+ at ! end ! foll[+3  7,c7 ! am\nt (
 #ejj 9 damages = ea* violation ( ?is   
title4  4