,,ib ,union ,calendar ,no4 #fhh #aaith  
,,congress  #b;d ,session  ,h4 ,r4 #edjb
 ,report ,no4 #aai-ghh ,,in ,,the       
,,house ,,of ,,representatives          
,september #af1 #bjbe,mrs4 ,kim 7for    
herself and ,ms4 ,bynum7 introduced the 
following bill2 which was referred to   
the ,committee on ,financial ,services  
,september #a1 #bjbf;,additional        
sponsor3 ,mr4 ,vindman  ,september #a1  
#bjbf,reported with an amendment1       
committed to the ,committee of the      
,whole ,house on the ,state of the      
,union1 and ordered to be printed,strike
 out all after the enacting clause and  
insert the part printed in italic,for   
text of introduced bill1 see copy of    
bill as introduced on ,september #af1   
#bjbe  ,a ,,bill  ,to amend the ,fair   
,credit ,reporting ,act to clarify      
,federal law with respect to reporting  
certain full-file consumer credit       
information to consumer reporting       
agencies1 and for other purposes4  #a4  
,short title ,this ,act may be cited as 

the ,credit ,access and ,inclusion ,act 
of #bjbf4  #b4 ,full-file reporting     
permitted  7a7 ,in general ,section #fbc
 of the ,fair ,credit ,reporting ,act   
7#ae ,u4,s4,c4 #afhas-#b7 is amended by 
adding at the end the following3  7f7   
,full-,file credit reporting  7#a7      
,definitions ,in this subsection3 7,a7  
,energy utility firm ,the term energy   
utility firm means an entity that       
provides gas or electric utility        
services to the public4  7,b7 ,utility  
or telecommunication firm ,the term     
utility or telecommunication firm means 
an entity that provides utility services
 to the public through pipe1 wire1      
landline1 wireless1 cable1 or other     
connected facilities1 or radio1         
electronic1 or similar transmission     
7including the extension of such        
facilities74  7#b7 ,information relating
 to lease agreements1 utilities1 and    
telecommunications services ,subject to 
the limitations in paragraph 7#c71 and  
notwithstanding any other provision of  

law1 a person or the ,secretary of      
,housing and ,urban ,development may    
furnish to a consumer reporting agency  
information relating to the performance 
of a consumer in making payments-- 7,a7 
under a lease agreement with respect to 
a dwelling1 including such a lease in   
which the ,department of ,housing and   
,urban ,development provides subsidized 
payments for occupancy in a dwelling2 or
  7,b7 pursuant to a contract for a     
utility or telecommunications service4  
7#c7 ,limitation ,information about the 
usage by a consumer of any utility      
service provided by a utility or        
telecommunication firm may be furnished 
to a consumer reporting agency only to  
the extent that the information relates 
to the payment by the consumer for the  
service of the utility or               
telecommunication service or other terms
 of the provision of the services to the
 consumer1 including any deposit1       
discount1 or conditions for interruption
 or termination of the service4  7#d7   

,payment plan ,an energy utility firm   
may not report payment information to a 
consumer reporting agency with respect  
to an outstanding balance of a consumer 
as late if-- 7,a7 the energy utility    
firm and the consumer have entered into 
a payment plan 7including a deferred    
payment agreement1 an arrearage         
management program1 or a debt           
forgiveness program7 with respect to    
such outstanding balance2 and  7,b7 the 
consumer is meeting the obligations of  
the payment plan1 as determined by the  
energy utility firm4  4  7b7 ,limitation
 on liability ,section #fbc7;c7 of the  
,fair ,credit ,reporting ,act 7#ae      
,u4,s4,c4 #afhas-#b7;c77 is amended--   
7#a7 in paragraph 7#b71 by striking or  
at the end2  7#b7 by redesignating      
paragraph 7#c7 as paragraph 7#d72 and   
7#c7 by inserting after paragraph 7#b7  
the following3  7#c7 subsection 7f7 of  
this section1 including any regulations 
issued thereunder2 or  4  7c7 ,,gao     
study and report ,not later than #b     

years after the date of the enactment of
 this ,act1 the ,comptroller ,general of
 the ,united ,states shall submit to the
 ,congress a report-- 7#a7 on the impact
 that furnishing information pursuant to
 subsection 7f7 of section #fbc of the  
,fair ,credit ,reporting ,act 7#ae      
,u4,s4,c4 #afhas-#b71 as added by       
subsection 7a7 of this section1 has had 
on consumers2 and  7#b7 that analyzes   
the effect on consumer credit scores of 
reporting consumer cash flow data to    
consumer credit agencies4  ,september   
#a1 #bjbf,reported with an amendment1   
committed to the ,committee of the      
,whole ,house on the ,state of the      
,union1 and ordered to be printed