I 

110TH CONGRESS 

1ST SESSION H. R. 2568 

To amend the Fair Credit Reporting Act to establish additional reporting 

requirements to enhance the detection of identity theft, and for other 

purposes. 

IN THE HOUSE OF REPRESENTATIVES 

JUNE 5, 2007 

Mr. GALLEGLY introduced the following bill; which was referred to the 

Committee on Financial Services 

A BILL 

To amend the Fair Credit Reporting Act to establish additional reporting requirements to enhance the detection 

of identity theft, 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 ‘‘Credit Agencies Iden5 tity Theft Responsibilities Act of 2007’’. 

6 SEC. 2. IDENTITY THEFT REPORTING. 

7 (a) IN GENERAL.—Section 608 of the Fair Credit 

8 Reporting Act (15 U.S.C. 1681f) is amended— 


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1 (1) by striking ‘‘Notwithstanding the provisions 

2 of section 604’’ and inserting ‘‘(a) IN GENERAL.— 

3 Notwithstanding the provisions of section 604’’; and 

4 (2) by adding at the end the following new sub5 section: 

6 ‘‘(b) SUSPICION OF IDENTITY THEFT.— 

7 ‘‘(1) IN GENERAL.—If, on the basis of informa8 tion on consumers maintained or controlled by a 

9 consumer reporting agency, the consumer reporting 

10 agency has reason to suspect that identity theft may 

11 be occurring or may have occurred with respect to 

12 any consumer, the consumer reporting agency shall 

13 report the suspicion of identity theft, a brief descrip14 tion of the basis for the suspicion, together with any 

15 information described in subsection (a) relating to 

16 any consumer name involved to the United States 

17 Secret Service for review and appropriate action, in18 cluding the provision of information to the Attorney 

19 General for criminal prosecution. If the Secret Serv20 ice has reason to believe that any suspected case of 

21 identity theft reported under this paragraph involves 

22 any suspicion of terrorism or immigration violations, 

23 the Secret Service shall forward the information re24 ceived under this paragraph to the Federal Bureau 


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1 of Investigation or the Department of Homeland Se2 curity, respectively. 

3 ‘‘(2) BASIS FOR SUSPICION OF IDENTITY

4 THEFT.—For purposes of this subsection, a con5 sumer reporting agency shall have reason to suspect 

6 that identity theft may be occurring or may have oc7 curred under any of the following circumstances: 

8 ‘‘(A) The names of 3 or more consumers 

9 each have the same Social Security account 

10 number associated with the names. 

11 ‘‘(B) 3 or more home addresses are associ12 ated with the name of any consumer in any 1- 

13 year period. 

14 ‘‘(C) More than 1 date of birth is associ15 ated with the name of any consumer or any So16 cial Security account number. 

17 ‘‘(D) Any other circumstance the Commis18 sion may prescribe by regulation. 

19 ‘‘(3) DUTY TO REVIEW.—Each consumer re20 porting agency shall establish procedures, in accord21 ance with regulations the Commission shall pre22 scribe, for reviewing, at regular time intervals, all in23 formation on consumers maintained or controlled by 

24 the agency to determine whether there is any basis 


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1 for suspicion of identity theft with respect to any 

2 consumer.’’. 

3 (b) PENALTY.—The Fair Credit Reporting Act (15 

4 U.S.C. 1681 et seq.) is amended by adding at the end 

5 the following new section: 

6 ‘‘§ 630. Criminal penalty 

7 ‘‘Any individual who is an officer, director, employee, 

8 or agent of a consumer reporting agency and who inten9 tionally causes the consumer reporting agency to fail to 

10 comply with any requirement of section 608(b) shall be 

11 imprisoned for not more than 2 years, fined under title 

12 18, United States Code, or both.’’. 

13 (c) CLERICAL AMENDMENT.—The table of sections 

14 for the Fair Credit Reporting Act is amended by inserting 

15 after the item relating to section 629 the following new 

16 item: 

‘‘630. Criminal penalty.’’. 

Æ 


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