,,ii  #aai? ,,congress  #b;d ,session   
,s4 #ddgh  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,april #cj1 #bjbf,mr4  
,kelly 7= himself1 ,mr4 ,gallego1 ,mr4  
,van ,holl51 ,mr4 ,ka9e1 ,mr4 ,w>n]1 &  
,ms4 ,alsobrooks7 introduc$ ! foll[+    
bill2 :i* 0 read twice & ref]r$ to !    
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,a ,,bill  ,to protect ! cr$it
 ( ,f$]al work]s dur+ a gov]nm5t %utd[n4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,f$]al ,work] ,cr$it ,protection    
,act ( #bjbf4  #b4 ,prohibition on      
report+ adv]se items ( in=mation relat+ 
to ,f$]al work]s dur+ ,gov]nm5t %utd[ns 
7a7 ,9 g5]al ,section #fje ( ! ,fair    
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;c7 is am5d$-- 7#a7 9 subsection   
7a71 by add+ at ! end ! foll[+3  7#i7 ,)
 respect to a consum] report+ ag5cy     
describ$ 9 section #fjc7p71 any item (  
adv]se in=mation relat$ to ! debt (     
,f$]al work]s dur+ a cov]$ p]iod1 z ^?  
t]ms are def9$ 9 subsection 7i74  2 &   
7#b7 by add+ at ! end ! foll[+3  7i7    

,gov]nm5t %utd[ns  7#a7 ,def9itions ,9  
?is subsection3 7,a7 ,cov]$ individual  
,! t]m cov]$ individual means an        
employee ( ! ,unit$ ,/ates ,gov]nm5t or 
! ,di/rict ( ,columbia ^: employ+ ag5cy 
is subject to a lapse ( appropriations4 
7,b7 ,cov]$ p]iod ,! t]m cov]$ p]iod    
means ! p]iod beg9n+ on ! date on :i*   
!re is m ?an a #bd-;h\r lapse 9         
appropriations & end+ on ! date t is #cj
 days aft] ! date on :i* !re is no long]
 a lapse 9 appropriations4  7#b7 ,reque/
 to delete ,a consum] report+ ag5cy1 ^u 
receiv+ a direct reque/ f a consum] :o  
is a cov]$ individual dur+ a cov]$ p]iod
 %all1 free ( *>ge1 delete in=mation    
exclud$ "u subsection 7a77#i7 9 !       
consum] report ( ! consum] & prohibit ! 
consum] report+ ag5cy f disclos+ su*    
in=mation 9 ! consum] report ( ! consum]
 to any p]son reque/+ ! consum] report4 
7#c7 ,notification ,! ,director ( !     
,(fice ( ,managem5t & ,budget %all      
submit to ea* consum] report+ ag5cy     
describ$ 9 section #fjc7p7 a            

notification ( ! />t & end ( a lapse 9  
appropriations impact+ cov]$            
individuals4  4  7b7 ,te*nical & con=m+ 
am5dm5t ,section #fje7;c77#a7 ( ! ,fair 
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;c7c77#a77 is am5d$ by /rik+       
p>agraphs 7#d7 & 7#f7 & ins]t+ p>agraphs
 7#d71 7#f71 & 7#i74  7c7 ,effective    
date ,?is ,act1 & ! am5dm5ts made by ?is
 ,act1 %all apply to a cov]$ p]iod t    
beg9s on or aft] ,febru>y #a1 #bjbf4