I 

113TH CONGRESS 

1ST SESSION H. R. 2538 

To amend the Fair Credit Reporting Act to clarify Federal law with respect 

to reporting positive consumer credit information to consumer reporting 

agencies by public utility or telecommunications companies, and for other 

purposes. 

IN THE HOUSE OF REPRESENTATIVES 

JUNE 27, 2013 

Mr. FITZPATRICK (for himself, Mr. ELLISON, Mr. HINOJOSA, Mr. CAPUANO, 

Mr. AL GREEN of Texas, Mr. JONES, Mr. RENACCI, and Mr. DUFFY) introduced the following bill; which was referred to the Committee on Financial Services 

A BILL 

To amend the Fair Credit Reporting Act to clarify Federal 

law with respect to reporting positive consumer credit 

information to consumer reporting agencies by public 

utility or telecommunications companies, and for other 

purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘The Credit Access and 

5 Inclusion Act’’. 


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1 SEC. 2. POSITIVE CREDIT REPORTING PERMITTED. 

2 (a) IN GENERAL.—Section 623 of the Fair Credit 

3 Reporting Act (15 U.S.C. 1681s–2) is amended by adding 

4 at the end the following new subsection: 

5 ‘‘(f) FULL-FILE CREDIT REPORTING.— 

6 ‘‘(1) RULE OF CONSTRUCTION.—Nothing in 

7 this Act, or any regulation or rule established pursu8 ant to this Act, shall be construed as to prohibit a 

9 person from furnishing the following information re10 lating to a consumer to a consumer reporting agen11 cy: 

12 ‘‘(A) IDENTIFYING INFORMATION.—A con13 sumer’s full name, telephone number, mother’s 

14 maiden name, address, zip code, date of birth, 

15 any generational designation, social security 

16 number, or any other similar consumer identi17 fiers or combination thereof. 

18 ‘‘(B) TRANSACTIONS OR EXPERIENCES.— 

19 Information solely as to transactions or experi20 ences between the consumer and the person fur21 nishing the information. 

22 ‘‘(C) PUBLIC INFORMATION.—Public 

23 record information. 

24 ‘‘(D) PERFORMANCE OF CONSUMER.—The 

25 performance of a consumer making payments 

26 under a real property lease or pursuant to a 


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•HR 2538 IH

1 contract for a utility or telecommunication serv2 ice. 

3 ‘‘(2) LIMITATIONS.—Information about a con4 sumer’s usage of any public utility service may be 

5 furnished to a consumer reporting agency only to 

6 the extent that such information relates to payment 

7 by the consumer for the services of such public util8 ity or other terms of the provision of services to the 

9 consumer, including any deposit, discount, or the 

10 conditions for interruption or termination of the 

11 services. 

12 ‘‘(3) UTILITY OR TELECOMMUNICATION SERV13 ICE.—For purposes of this subsection, the term 

14 ‘utility or telecommunication service’ means an enti15 ty that provides utility services to the public through 

16 pipe, wire, landline, wireless, cable, or other con17 nected facilities, or radio, electronic, or similar 

18 transmission (including the extension of such facili19 ties).’’. 

Æ 


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