```

[Congressional Bills 118th Congress]
[From the U.S. Government Publishing Office]
[S. 5543 Considered and Passed Senate (CPS)]

<DOC>

118th CONGRESS
  2d Session
                                S. 5543

 To amend the Fair Credit Reporting Act to prohibit consumer reporting 
 agencies from furnishing consumer reports containing adverse items of 
  information about a consumer that resulted from that consumer being 
    unlawfully or wrongfully detained abroad or held hostage abroad.

_______________________________________________________________________

                   IN THE SENATE OF THE UNITED STATES

                           December 16, 2024

 Mr. Coons (for himself and Mr. Tillis) introduced the following bill; 
   which was read twice, considered, read the third time, and passed

_______________________________________________________________________

                                 A BILL

 
 To amend the Fair Credit Reporting Act to prohibit consumer reporting 
 agencies from furnishing consumer reports containing adverse items of 
  information about a consumer that resulted from that consumer being 
    unlawfully or wrongfully detained abroad or held hostage abroad.

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

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Fair Credit for American Hostages 
Act''.

SEC. 2. ADVERSE INFORMATION ABOUT CONSUMERS UNLAWFULLY OR WRONGFULLY 
              DETAINED ABROAD OR HELD HOSTAGE ABROAD.

    (a) In General.--The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended by inserting after section 605C the following:
``Sec. 605D. Adverse information about consumers unlawfully or 
              wrongfully detained abroad or held hostage abroad
    ``(a) Definitions.--In this section:
            ``(1) Covered consumer.--The term `covered consumer' means 
        an individual who has been--
                    ``(A) a United States national unlawfully or 
                wrongfully detained abroad, as determined under section 
                302(a) of the Robert Levinson Hostage Recovery and 
                Hostage-Taking Accountability Act (22 U.S.C. 1741(a)); 
                or
                    ``(B) a United States national taken hostage 
                abroad, as determined by the Hostage Recovery Fusion 
                Cell established by section 304 that Act (22 U.S.C. 
                1741b).
            ``(2) Detention or hostage documentation.--The term 
        `detention or hostage documentation' means documentation that--
                    ``(A) certifies a consumer is a covered consumer 
                under this section;
                    ``(B) identifies the time period during which the 
                covered consumer was unlawfully or wrongfully detained 
                abroad or held hostage abroad; and
                    ``(C) is authenticated by--
                            ``(i) the Special Presidential Envoy for 
                        Hostage Affairs established by section 303 of 
                        the Robert Levinson Hostage Recovery and 
                        Hostage-Taking Accountability Act (22 U.S.C. 
                        1741a); or
                            ``(ii) the Hostage Recovery Fusion Cell 
                        established by section 304 of that Act (22 
                        U.S.C. 1741b).
    ``(b) Adverse Information.--If a consumer reporting agency 
described in section 603(p) is able to authenticate detention or 
hostage documentation provided by a covered consumer, the consumer 
reporting agency may not furnish a consumer report containing any 
adverse item of information about the covered consumer dating during 
the time period the covered consumer was unlawfully or wrongfully 
detained abroad or held hostage abroad.''.
    (b) Technical and Conforming Amendment.--The table of contents of 
the Fair Credit Reporting Act is amended by inserting after the item 
relating to section 605C the following:

``605D. Adverse information about consumers unlawfully or wrongfully 
                            detained abroad or held hostage abroad.''.
                                 <all>
```