,,ii  #aai? ,,congress  #a/ ,session    
,s4 #adfg  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,april #aj1 #bjbe,mr4  
,re$ 7= himself1 ,mr4 ,hag]ty1 ,mr4 ,van
 ,holl51 ,mr4 ,tillis1 ,ms4 ,cortez     
,ma/o1 ,mr4 ,cram]1 ,ms4 ,smi?1 ,mrs4   
,britt1 ,mr4 ,gallego1 ,mr4 ,ricketts1  
,ms4 ,alsobrooks1 ,mr4 ,r\nds1 ,mrs4    
,capito1 ,mr4 ,wyd51 ,mr4 ,crapo1 ,mrs4 
,hyde-,smi?1 ,mr4 ,:iteh\se1 ,mr4 ,ris*1
 ,mr4 ,k+1 ,mr4 ,tub]ville1 ,mr4        
,fett]man1 ,ms4 ,klobu*>1 ,mr4 ,ka9e1   
,ms4 ,ros51 ,mrs4 ,%ahe51 ,mr4          
,blum5?al1 ,ms4 ,baldw91 ,mr4 ,wel*1    
,mr4 ,hick5loop]1 ,mr4 ,pet]s1 ,mr4     
,b5net1 ,mr4 ,m>key1 ,mr4 ,s*atz1 ,mr4  
,m]kley1 ,mr4 ,kelly1 & ,mrs4 ,fis*]7   
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to prev5t consum] report+ ag5cies 
f furni%+ consum] reports "u c]ta9      
circum/ances1 & = o!r purposes4  #a4    
,%ort title ,?is ,act may be cit$ z !   

,homebuy]s ,privacy ,protection ,act4   
#b4 ,treatm5t ( prescre5+ report reque/s
 ,section #fjd7;c7 ( ! ,fair ,cr$it     
,report+ ,act 7#ae ,u4,s4,c4 #afha;b7c77
 is am5d$ by add+ at ! end ! foll[+3    
7#d7 ,treatm5t ( prescre5+ report       
reque/s  7,a7 ,def9itions ,9 ?is        
p>agraph3 7i7 ,cr$it union ,! t]m cr$it 
union means a ,f$]al cr$it union or a   
,/ate cr$it union1 z ^? t]ms are def9$ 9
 section #aja ( ! ,f$]al ,cr$it ,union  
,act 7#ab ,u4,s4,c #ageb74  7ii7 ,insur$
 depository in/itution ,! t]m insur$    
depository in/itution has ! mean+ giv5 !
 t]m 9 section #c ( ! ,f$]al ,deposit   
,insurance ,act 7#ab ,u4,s4,c4          
#ahac7;c774  7iii7 ,resid5tial mortgage 
loan ,! t]m resid5tial mortgage loan has
 ! mean+ giv5 ! t]m 9 section #aejc ( ! 
,s4,a4,f4,e4 ,mortgage ,lic5s+ ,act (   
#bjjh 7#ab ,u4,s4,c4 #eajb74  7iv7      
,s]vic] ,! t]m s]vic] has ! mean+ giv5 !
 t]m 9 section #f7;i7 ( ! ,real ,e/ate  
,settlem5t ,proc$ures ,act ( #aigd 7#ab 
,u4,s4,c4 #bfje7;i774  7,b7 ,limitation 

,if a p]son reque/s a consum] report f a
 consum] report+ ag5cy 9 connection ) a 
cr$it transaction involv+ a resid5tial  
mortgage loan1 t ag5cy may n1 bas$ 9    
:ole or 9 "p on t reque/1 furni% a      
consum] report to ano!r p]son "u ?is    
subsection unless-- 7i7 ! transaction   
consi/s ( a firm (f] ( cr$it or         
insurance2 &  7ii7 t o!r p]son-- 7,i7   
has submitt$ docum5tation to t ag5cy    
c]tify+ t su* o!r p]son has1 pursuant to
 p>agraph 7#a77;,a71 ! au?orization ( ! 
consum] to :om ! consum] report relates2
 or  7,,ii7 7aa7 has orig9at$ a curr5t  
resid5tial mortgage loan ( ! consum] to 
:om ! consum] report relates2  7bb7 is !
 s]vic] ( a curr5t resid5tial mortgage  
loan ( ! consum] to :om ! consum] report
 relates2 or  7cc7 7,,aa7 is an insur$  
depository in/itution or cr$it union2 & 
7,,bb7 holds a curr5t acc\nt = ! consum]
 to :om ! consum] report relates4  4    
#c4 ,effective date ,?is ,act1 & !      
am5dm5ts made by ?is ,act1 %all take    
effect on ! date t is #ahj days aft] !  

date ( enactm5t ( ?is ,act4