,,ii  #aai? ,,congress  #b;d ,session   
,s4 #dadd  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,m>* #ai1 #bjbf,mr4    
,coons 7= himself & ,ms4 ,murk[ski7     
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,cr$it ,repair       
,organizations ,act to add additional   
protections aga9/ h>mful practices )9 ! 
cr$it repair organization indu/ry1 & =  
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,end+ ,scam ,cr$it     
,repair ,act or ! ,,escra ,act4  #b4    
,cr$it ,repair ,organization def9ition  
,section #djc7c7 ( ! ,cr$it ,repair     
,organizations ,act 7#ae ,u4,s4,c4      
#afgi;a7#c77-- 7#a7 9 subp>agraph 7,a71 
by ins]t+ 7n includ+ any?+ receiv$ 9    
return = repres5t+ a consum] 9          
prep>ation = or dur+ litigation7 aft]   
consid]ation2 &  7#b7 9 subp>agraph     
7,b7-- 7,a7 9 ! matt] prec$+ clause 7i71
 by ins]t+ an entity or individual t is1
 9 good fai? & n = ! purpose ( evad+ ?is

 title aft] include2  7,b7 9 clause     
7ii71 by /rik+ or at ! end2  7,c7 9     
clause 7iii71 by /rik+ ! p]iod & ins]t+ 
2 or2 &  7,d7 by add+ at ! end ! foll[+3
  7iv7 any attorney t provides legal    
s]vices r5d]$ or to be r5d]$ to a       
consum] 9 contemplation ( or 9          
connection ) a case fil$1 or to be fil$ 
)9 #ab mon?s1 "u title #aa1 ,unit$      
,/ates ,code1 or ! ,consum] ,cr$it      
,protection ,act 7#ae ,u4,s4,c4 #afja et
 seq471 by an attorney )9 ! same law    
firm4  4  #c4 ,prohibit$ practices  7a7 
,untrue or mislead+ /atem5ts  7#a7 ,9   
g5]al ,section #djd7;a77#a7 ( ! ,cr$it  
,repair ,organizations ,act 7#ae        
,u4,s4,c4 #afgi;b7a77#a77 is am5d$--    
7,a7 9 ! matt] prec$+ subp>agraph 7,a71 
by ins]t+ kn[+ly be=e make any /atem5t1 
or2  7,b7 9 subp>agraph 7,a71 by /rik+  
or at ! end2 &  7,c7 by add+ at ! end ! 
foll[+3  7,c7 ! ,bureau ( ,consum]      
,f9ancial ,protection directly or ?r\gh 
an onl9e portal e/abli%$ to receive     
compla9ts1 disputes1 or reports ( fraud2

  7,d7 ! ,f$]al ,trade ,commission      
directly or ?r\gh an onl9e portal       
e/abli%$ to receive compla9ts1 disputes1
 or reports ( fraud2 or  7,e7 any       
,f$]al1 ,/ate1 local1 or ,tribal law    
en=cem5t ag5cy directly or ?r\gh an     
onl9e portal e/abli%$ to receive        
compla9ts1 disputes1 or reports ( fraud2
  4  7#b7 ,f9d+ ,! ,congress f9ds t x is
 unlawful1 z ( ! date ( enactm5t ( ?is  
,act1 to make mat]ially false1          
fictiti\s1 or fraudul5t /atem5ts or     
repres5tations to ! ,bureau ( ,consum]  
,f9ancial ,protection4  7b7 ,additional 
prohibit$ practices ,section #djd ( !   
,cr$it ,repair ,organizations ,act 7#ae 
,u4,s4,c4 #afgi;b7 is am5d$-- 7#a7 9    
subsection 7a77#b7-- 7,a7 9 subp>agraph 
7,b77ii71 by /rik+ ! semicolon & ins]t+ 
2 or2 &  7,b7 by add+ at ! end ! foll[+3
  7,c7 ! ,bureau ( ,consum] ,f9ancial   
,protection or ! ,f$]al ,trade          
,commission2  2  7#b7 by am5d+          
subsection 7b7 to read z foll[s3  7b7   
,paym5t 9 ,advance  7#a7 ,9 g5]al ,no   

cr$it repair organization may reque/ or 
receive paym5t ( any fee or consid]ation
 f a consum] = s]vices repres5t$ to     
remove d]ogatory or inaccurate in=mation
 f1 or improve1 ! cr$it hi/ory ( su*    
consum]'s cr$it hi/ory1 cr$it record1 or
 cr$it rat+1 or s]vices relat$ to su* a 
repres5tation1 until ! cr$it repair     
organization has provid$ su* consum] )  
docum5tation 9 ! =m ( a consum] report1 
issu$ n e>li] ?an #ahj days aft] ! date 
on su* s]vice is r5d]$1 f a consum]     
report+ ag5cy t demon/rates t su*       
repres5tation has be5 a*iev$4  7#b7     
,rule ( con/ruction ,no?+ 9 ?is         
subsection %all be con/ru$ to alt] !    
p]missible purposes ( furni%+ a consum] 
report describ$ 9 section #fjd ( ! ,fair
 ,cr$it ,report+ ,act4  2 &  7#c7 by    
add+ at ! end ! foll[+3  7c7 ,jamm+ ,a  
cr$it repair organization may n submit  
multiple disputes describ$ 9 section    
#faa ( ! ,fair ,cr$it ,report+ ,act ( ! 
same in=mation unless all ( ! foll[+ are
 true3 7#a7 ,! consum] report+ ag5cy or 

data furni%] has _h ! "t p]mitt$ "u !   
,fair ,cr$it ,report+ ,act to conduct a 
reasonable inve/igation on ! prior      
dispute4  7#b7 ,! consum] report+ ag5cy 
or data furni%] has return$ ! results ( 
its inve/igation to ! consum] ) respect 
to su* dispute1 unless !re are mat]ial  
*anges to ! in=mation submitt$ ) !      
dispute4  7#c7 ,! cr$it repair          
organization includes ) ! resubmitt$    
dispute a specific description ( :at    
in=mation is inaccurate4  4  #d4        
,disclosures ,section #dje ( ! ,cr$it   
,repair ,organizations ,act 7#ae        
,u4,s4,c4 #afgi;c7 is am5d$-- 7#a7 9 !  
writt5 /atem5t 9 subsection 7a7-- 7,a7 9
 ! second undesignat$ p>agraph1 by      
ins]t+ ,cr$it repair organizations d n  
provide any s]vices t y _c d y\rself =  
free4 aft] ! p]iod at ! end ( ! f\r?    
s5t5ce2  7,b7 9 ! eigh? undesignat$     
p>agraph1 by /rik+ regulates & ins]t+ & 
! ,bureau ( ,consum] ,f9ancial          
,protection regulate2 &  7,c7 by ins]t+ 
,! ,bureau ( ,consum] ,f9ancial         

,protection #agjj ,g ,/4 ,,nw1 ,wa%+ton1
 ,,dc #bjeeb ,tel3 #hee-daa-bcgb        
,,tty_/,,ttd3 #hee-gbi-bcgb aft] #bjehj2
 &  7#b7 9 subsection 7c7-- 7,a7 9      
p>agraph 7#a71 by ins]t+ & any record+s 
( telephone communications ) ! consum]  
be=e ! p]iod at ! end2 &  7,b7 9        
p>agraph 7#b7-- 7i7 9 ! head+1 by /rik+ 
#b & ins]t+ #e2  7ii7 by ins]t+ & any   
telephone record+s ) ! consum] aft]     
consum]'s /atem5t2  7iii7 by /rik+ #b & 
ins]t+ #e2 &  7iv7 by /rik+ /atem5t is  
sign$ by ! consum] & ins]t+ /atem5t or !
 telephone record+s are creat$4  #e4    
,consum] contract requir$ ,section #djg 
( ! ,cr$it ,repair ,organizations ,act  
7#ae ,u4,s4,c4 #afgi;e7 is am5d$ by     
/rik+ subsection 7c7 & ins]t+ ! foll[+3 
7c7 ,consum] copy ( contract &          
communications requir$  7#a7 ,contract  
,any consum] :o ent]s into any contract 
) any cr$it repair organization %all be 
giv51 by ! organization-- 7,a7 a copy ( 
! complet$ contract & ! disclosure      
/atem5t requir$ "u section #dje2 &  7,b7

 a copy ( any o!r docum5t ! cr$it repair
 organization requires ! consum] to     
sign1  at ! "t ! contract or ! o!r      
docum5t is sign$4  7#b7 ,communications 
,any consum] describ$ 9 p>agraph 7#a7   
%all be giv51 by ! organization copies (
 all communications s5t on behalf ( !   
consum]1 at ! "t ! communication is s5t4
  4  #f4 ,noncompliance ,section #djh ( 
! ,cr$it ,repair ,organizations ,act    
7#ae ,u4,s4,c4 #afgi;f7 is am5d$ by add+
 at ! end foll[+3  7d7 ,legal s]vices )9
 cr$it repair organizations ,a cr$it    
repair organization %all be subject to  
?is title reg>dless ( :e!r !            
organization is1 or employs1 an attorney
 :o also provides legal s]vices to a    
consum]1 except if su* attorney is an   
attorney describ$ 9 section             
#djc7c77;,b77iv74  7e7 ,cr$it repair    
organizations )\t a ,/ate lic5se ,on or 
aft] ,janu>y #a1 #bjbf1 no p]son may act
 z a cr$it repair organization unless   
su* p]son is lic5s$ by a ,/ate4  4  #g4 
,cr$it repair organization              

communications ) furni%]s ( in=mation   
7a7 ,9 g5]al ,! ,cr$it ,repair          
,organizations ,act 7#ae ,u4,s4,c4 #afgi
 et seq47 is am5d$ by ins]t+ aft]       
section #djh ! foll[+3  #djh;,a4 ,cr$it 
repair organization communications )    
furni%]s ( in=mation ,disputes submitt$ 
to a p]son :o furni%es in=mation to a   
consum] report+ ag5cy by or on behalf ( 
a cr$it repair organization %all meet ! 
foll[+ requirem5ts3 7#a7 ,if s5t by     
mail1 ! dispute %all be transmitt$ by   
fir/ class mail & li/ on ! envelope !-- 
7,a7 "n ( ! cr$it repair organization2 &
  7,b7 ,/ate lic5se numb] ( ! cr$it     
repair organization1 if applicable4     
7#b7 ,! dispute %all li/ !-- 7,a7 "n ( !
 cr$it repair organization2  7,b7 ,/ate 
lic5se numb] ( ! cr$it repair           
organization1 if applicable2 &  7,c7 "n 
( ! consum] on ^: behalf ! dispute is   
submitt$4  7#c7 ,9 ! case ( any         
additional communication aft] an initial
 dispute1 ! additional communication    
%all cle>ly & conspicu\sly id5tify any  

mat]ial *anges to ! in=mation provid$ 9 
! initial writt5 dispute & include !    
in=mation describ$ 9 p>agraphs 7#a7 &   
7#b74  7#d7 ,9 ! case :]e a cr$it repair
 organization sells or o!rwise provides 
an onl9e or pap] blank dispute =m to be 
complet$ & fil$ by ! consum]1 su* =m mu/
 conta9 !-- 7,a7 "n & address ( su*     
cr$it repair organization2 &  7,b7 ,/ate
 lic5se numb] ( su* cr$it repair        
organization1 if applicable4  7#e7 ,9 ! 
case :]e ! p]son responds to a dispute  
submitt$ by a cr$it repair organization 
seek+ cl>ify+ in=mation1 v]ify+ if !    
cu/om] has actually engag$ ) ! cr$it    
repair organization1 or d5y+ ! accuracy 
( ! und]ly+ claim1 ! cr$it repair       
organization %all respond 9 writ+ )9 #ae
 bus9ess days4  7#f7 ,9 ! case :]e !    
cr$it repair organization is an         
attorney1 ! attorney %all c]tify t any  
communication is consi/5t ) any         
in=mation or docum5tation provid$ by !  
consum]1 confirm$ bas$ ^u me?ods or     
means prov5 to be hi/orically reliable &

 accurate4  7#g7 ,a cr$it repair        
organization1 :5 s5d+ a dispute1 %all   
disclose ! fact t x is a cr$it repair   
organization by plac+ ! foll[+          
disclosure on ! dispute lett]3 ,?is     
communication 0 submitt$ or prep>$ on   
behalf ( ! consum] by a cr$it repair    
organization1 z def9$ 9 section #djc ( !
 ,cr$it ,repair ,organizations ,act 7#ae
 ,u4,s4,c4 #afgi;a74  4  7b7 ,cl]ical   
am5dm5t ,! table ( cont5ts = ! ,cr$it   
,repair ,organizations ,act is am5d$ by 
ins]t+ aft] ! item relat+ to section    
#djh ! foll[+3  #djh;,a4 ,cr$it repair  
organization communications ) furni%]s (
 in=mation4  4  #h4 ,civil liability    
,section #dji7;a77#a7 ( ! ,cr$it ,repair
 ,organizations ,act 7#ae ,u4,s4,c4     
#afgi;g7a77#a77 is am5d$-- 7#a7 9 !     
head+1 by /rik+ ,actual damages & ins]t+
 ,damages2  7#b7 9 subp>agraph 7,a71 by 
/rik+ or at ! end2  7#c7 9 subp>agraph  
7,b71 by /rik+ ! p]iod at ! end & ins]t+
 2 or2 &  7#d7 by add+ at ! end !       
foll[+3  7,c7 damages ( #ejj = ea*      

violation ( ?is title4  4