,i  #aaith ,,congress  #b;d ,session    
,h4 ,r4 #ihbh  ,,in ,,the ,,house ,,of  
,,representatives  ,july #bb1 #bjbf,mr4 
,alford introduced the following bill2  
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
amend the ,fair ,credit ,reporting ,act 
to prohibit certain adverse information 
related to late or missed payments      
during a ,government shutdown by a      
furloughed or unpaid ,government        
employee from being included in consumer
 reports1 and for other purposes4  #a4  
,short title ,this ,act may be cited as 
the ,federal ,employee ,financial       
,protection ,act of #bjbf4  #b4         
,protection of credit reporting  7a7 ,in
 general ,section #fje of the ,fair     
,credit ,reporting ,act 7#ae ,u4,s4,c4  
#afha;c7 is amended by adding at the end
 the following3  7i7 ,government        
shutdowns  7#a7 ,in general ,a consumer 
reporting agency may not make any       
consumer report containing an adverse   
item of information related to a late   

payment or nonpayment on an account of a
 covered employee that occurred during a
 covered period4  7#b7 ,treatment of    
certain payments ,for purposes of making
 any consumer report1 a consumer        
reporting agency shall treat any late   
payment or nonpayment described in      
paragraph 7#a7 as if the consumer had   
made the payment4  7#c7 ,definitions ,in
 this subsection3 7,a7 ,covered employee
 ,the term covered employee means any   
employee of the ,federal ,government who
 is furloughed or required to work      
without pay during a lapse in           
appropriations4  7,b7 ,covered period   
,the term covered period means any      
period during which there is a lapse in 
appropriations resulting in delayed     
compensation to a covered employee4  4  
7b7 ,rulemaking ,not later than #cj days
 after the date of enactment of this    
,act1 the ,director of the ,bureau of   
,consumer ,financial ,protection shall  
issue rules to carry out the amendment  
made by this section4  #c4 ,sense of    

,congress regarding private lenders ,it 
is the sense of ,congress that private  
lenders should-- 7#a7 provide temporary 
forbearance or payment flexibility to   
covered employees 7as defined in section
 #fje7;i77#c7 of the ,fair ,credit      
,reporting ,act72  7#b7 waive late fees 
and penalties incurred during the       
covered period 7as defined in such      
section #fje7;i77#c772 and  7#c7 refrain
 from furnishing adverse credit         
information related to late payments or 
nonpayments during the covered period4