,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #ihbh  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,july #bb1 #bjbf,mr4  
,al=d introduc$ ! foll[+ bill2 :i* 0    
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to prohibit c]ta9  
adv]se in=mation relat$ to late or miss$
 paym5ts dur+ a ,gov]nm5t %utd[n by a   
furl\gh$ or unpaid ,gov]nm5t employee f 
be+ includ$ 9 consum] reports1 & = o!r  
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,f$]al ,employee ,f9ancial 
,protection ,act ( #bjbf4  #b4          
,protection ( cr$it report+  7a7 ,9     
g5]al ,section #fje ( ! ,fair ,cr$it    
,report+ ,act 7#ae ,u4,s4,c4 #afha;c7 is
 am5d$ by add+ at ! end ! foll[+3  7i7  
,gov]nm5t %utd[ns  7#a7 ,9 g5]al ,a     
consum] report+ ag5cy may n make any    
consum] report conta9+ an adv]se item ( 
in=mation relat$ to a late paym5t or    
nonpaym5t on an acc\nt ( a cov]$        
employee t occurr$ dur+ a cov]$ p]iod4  
7#b7 ,treatm5t ( c]ta9 paym5ts ,=       

purposes ( mak+ any consum] report1 a   
consum] report+ ag5cy %all treat any    
late paym5t or nonpaym5t describ$ 9     
p>agraph 7#a7 z if ! consum] _h made !  
paym5t4  7#c7 ,def9itions ,9 ?is        
subsection3 7,a7 ,cov]$ employee ,! t]m 
cov]$ employee means any employee ( !   
,f$]al ,gov]nm5t :o is furl\gh$ or      
requir$ to "w )\t pay dur+ a lapse 9    
appropriations4  7,b7 ,cov]$ p]iod ,!   
t]m cov]$ p]iod means any p]iod dur+ :i*
 !re is a lapse 9 appropriations result+
 9 delay$ comp5sation to a cov]$        
employee4  4  7b7 ,rulemak+ ,n lat] ?an 
#cj days aft] ! date ( enactm5t ( ?is   
,act1 ! ,director ( ! ,bureau ( ,consum]
 ,f9ancial ,protection %all issue rules 
to c>ry out ! am5dm5t made by ?is       
section4  #c4 ,s5se ( ,congress reg>d+  
private l5d]s ,x is ! s5se ( ,congress t
 private l5d]s %\ld-- 7#a7 provide      
tempor>y =be>ance or paym5t flexibility 
to cov]$ employees 7z def9$ 9 section   
#fje7;i77#c7 ( ! ,fair ,cr$it ,report+  
,act72  7#b7 waive late fees & p5alties 

incurr$ dur+ ! cov]$ p]iod 7z def9$ 9   
su* section #fje7;i77#c772 &  7#c7      
refra9 f furni%+ adv]se cr$it in=mation 
relat$ to late paym5ts or nonpaym5ts    
dur+ ! cov]$ p]iod4