II 

113TH CONGRESS 

1ST SESSION S. 1613 

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

to reporting full-file alternative data, including positive and negative 

consumer credit information to consumer reporting agencies by public 

utility or telecommunications companies, and for other purposes. 

IN THE SENATE OF THE UNITED STATES 

OCTOBER 30, 2013 

Mr. KIRK (for himself and Mr. MANCHIN) introduced the following bill; which 

was read twice and referred to the Committee on Banking, Housing, and 

Urban Affairs 

A BILL 

To amend the Fair Credit Reporting Act to clarify Federal 

law with respect to reporting full-file alternative data, 

including positive and negative 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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•S 1613 IS

1 SEC. 2. FULL-FILE ALTERNATIVE DATA, INCLUDING POSI2 TIVE AND NEGATIVE CREDIT REPORTING 

3 PERMITTED. 

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

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

6 at the end the following new subsection: 

7 ‘‘(f) FULL-FILE CREDIT REPORTING.— 

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

9 this Act, or any regulation or rule established pursu10 ant to this Act, shall be construed as to prohibit a 

11 person from furnishing the following information re12 lating to a consumer to a consumer reporting agen13 cy: 

14 ‘‘(A) IDENTIFYING INFORMATION.—A con15 sumer’s full name, telephone number, mother’s 

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

17 any generational designation, social security 

18 number, or any other similar consumer identi19 fiers or combination thereof. 

20 ‘‘(B) TRANSACTIONS OR EXPERIENCES.— 

21 Information solely as to transactions or experi22 ences between the consumer and the person fur23 nishing the information. 

24 ‘‘(C) PUBLIC INFORMATION.—Public 

25 record information. 


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•S 1613 IS

1 ‘‘(D) PERFORMANCE OF CONSUMER.—The 

2 performance of a consumer making payments 

3 under a real property lease or pursuant to a 

4 contract for a utility or telecommunication serv5 ice. 

6 ‘‘(2) LIMITATIONS.—Information about a con7 sumer’s usage of any public utility service may be 

8 furnished to a consumer reporting agency only to 

9 the extent that such information relates to payment 

10 by the consumer for the services of such public util11 ity or other terms of the provision of services to the 

12 consumer, including any deposit, discount, or the 

13 conditions for interruption or termination of the 

14 services. 

15 ‘‘(3) UTILITY OR TELECOMMUNICATION SERV16 ICE.—For purposes of this subsection, the term 

17 ‘utility or telecommunication service’ means an enti18 ty that provides utility services to the public through 

19 pipe, wire, landline, wireless, cable, or other con20 nected facilities, or radio, electronic, or similar 

21 transmission (including the extension of such facili22 ties).’’. 

Æ 


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