I 

113TH CONGRESS 

2D SESSION H. R. 4672 

To amend the Fair Credit Reporting Act to provide protections for active 

duty military consumers, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

MAY 19, 2014 

Ms. LINDA T. SA ́NCHEZ of California (for herself and Mr. LAMBORN) introduced the following bill; which was referred to the Committee on Financial Services 

A BILL 

To amend the Fair Credit Reporting Act to provide protections for active duty military consumers, 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. NOTICE OF STATUS AS AN ACTIVE DUTY MILI4 TARY CONSUMER. 

5 The Fair Credit Reporting Act (15 U.S.C. 1681 et 

6 seq.) is amended— 

7 (1) in section 605, by adding at the end the fol8 lowing: 


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1 ‘‘(i) NOTICE OF STATUS AS AN ACTIVE DUTY MILI2 TARY CONSUMER.—With respect to an item of adverse in3 formation about a consumer, if the action or inaction that 

4 gave rise to the item occurred while the consumer was an 

5 active duty military consumer, the consumer may provide 

6 appropriate proof, including official orders, to a consumer 

7 reporting agency that the consumer was an active duty 

8 military consumer at the time such action or inaction oc9 curred, and any consumer report provided by the con10 sumer reporting agency that includes such item of infor11 mation shall clearly and conspicuously disclose that the 

12 consumer was an active duty military consumer when the 

13 action or inaction that gave rise to the item occurred.’’; 

14 (2) in section 605A(c)— 

15 (A) by striking ‘‘Upon’’ and inserting the 

16 following: 

17 ‘‘(1) IN GENERAL.—Upon’’; 

18 (B) by redesignating paragraphs (1), (2), 

19 and (3) as subparagraphs (A), (B), and (C), 

20 and moving such redesignated subparagraphs 2 

21 ems to the right; and 

22 (C) by adding at the end the following: 

23 ‘‘(2) NEGATIVE INFORMATION ALERT.—Any 

24 time a consumer reporting agency receives an item 

25 of adverse information about a consumer, if the conVerDate Mar 15 2010 23:52 May 27, 2014 Jkt 039200 PO 00000 Frm 00002 Fmt 6652 Sfmt 6201 E:\BILLS\H4672.IH H4672

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1 sumer has provided appropriate proof that the con2 sumer is an active duty military consumer, the con3 sumer reporting agency shall promptly notify the 

4 consumer— 

5 ‘‘(A) that the agency has received such 

6 item of adverse information, along with a de7 scription of the item; and 

8 ‘‘(B) the method by which the consumer 

9 can dispute the validity of the item. 

10 ‘‘(3) CONTACT INFORMATION FOR ACTIVE DUTY

11 MILITARY CONSUMERS.—With respect to any con12 sumer that has provided appropriate proof to a con13 sumer reporting agency that the consumer is an ac14 tive duty military consumer, if the consumer pro15 vides the consumer reporting agency with separate 

16 contact information to be used when communicating 

17 with the consumer while the consumer is an active 

18 duty military consumer, the consumer reporting 

19 agency shall use such contact information for all 

20 communications while the consumer is an active 

21 duty military consumer. 

22 ‘‘(4) SENSE OF CONGRESS.—It is the sense of 

23 Congress that any person making use of a consumer 

24 report containing an item of adverse information 

25 should, if the action or inaction that gave rise to the 


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1 item occurred while the consumer was an active duty 

2 military consumer, take such fact into account when 

3 evaluating the creditworthiness of the consumer.’’; 

4 and 

5 (3) in section 611(a)(1), by adding at the end 

6 the following: 

7 ‘‘(D) NOTICE OF DISPUTE RELATED TO

8 ACTIVE DUTY MILITARY CONSUMERS.—With re9 spect to any item of information described 

10 under subparagraph (A) that is under dispute, 

11 if the consumer has notified the consumer re12 porting agency, and provided appropriate proof, 

13 that the consumer was an active duty military 

14 consumer at the time the action or inaction that 

15 gave rise to the disputed item occurred, the 

16 consumer reporting agency shall include such 

17 fact in the consumer’s file and shall indicate 

18 that fact in each consumer report that includes 

19 the disputed item.’’. 

Æ 


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