,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #dcfi  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #ad1 #bjbe,mr4  
,fro/ introduc$ ! foll[+ bill2 :i* 0    
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to prohibit ! use (
 consum] cr$it *ecks aga9/ prospective &
 curr5t t5ants = ! purposes ( mak+      
adv]se r5tal h\s+ decisions4  #a4 ,%ort 
title ,?is ,act may be cit$ z ! ,end    
,t5ant ,cr$it ,scre5+ ,act4  #b4 ,use ( 
cr$it *ecks prohibit$ = t5ant scre5+    
purposes ,section #fjd ( ! ,fair ,cr$it 
,report+ ,act 7#ae ,u4,s4,c4 #afha;b7 is
 am5d$ by ins]t+ aft] subsection 7g7 !  
foll[+3  7h7 ,use ( c]ta9 consum]       
reports prohibit$ = t5ant scre5+        
purposes  7#a7 ,def9itions ,= purposes (
 ?is section3 7,a7 ,! t]m t5ant scre5+  
purposes :5 us$ 9 connection ) a consum]
 report means a report us$ = ! purpose (
 evaluat+ a consum] = r5tal h\s+1       
includ+ :e!r to approve a consum]'s     
r5tal h\s+ application1 det]m9+ !       

consum]'s security deposit or o!r t]ms (
 ! consum]'s lease1 or ret5tion a t5ant4
  7,b7 ,! t]m h\s+ provid] means any    
p]son t leases a unit ( resid5tial real 
e/ate to an individual4  7#b7 ,g5]al    
prohibition ,except z provid$ 9 p>agraph
 7#c71 a p]son1 includ+ a prospective or
 curr5t h\s+ provid]1 may n use a       
consum] report or inve/igative consum]  
report1 or cause a consum] report or    
inve/igative consum] report to be       
procur$1 ) respect to any consum] =     
t5ant scre5+ purposes :]e any in=mation 
conta9$ 9 ! report be>s on !            
cr$itwor?9ess1 cr$it /&+ or cr$it       
capacity ( ! consum]4  7#c7 ,cons5t     
irrelevant ,! prohibition describ$ 9    
p>agraph 7#b7 %all apply ev5 if !       
consum] cons5ts or o!rwise au?orizes !  
procurem5t or use ( a consum] report =  
t5ant scre5+ purposes1 except = a report
 provid$ or caus$ to be provid$ to !    
h\s+ provid] = reconsid]ation ( d5ial4  
7#d7 ,reconsid]ation ( d5ial ,! t]m     
8reconsid]ation ( d5ial0 means any      

proc$ure or process by :i* a h\s+       
provid] reconsid]s1 on an individualiz$ 
basis1 an application = r5tal h\s+ t !  
h\s+ provid] has previ\sly reject$ aft] 
bona fide consid]ation4  4