I 

117TH CONGRESS 

1ST SESSION H. R. 6067 

To direct the Bureau of Consumer Financial Protection to issue model forms 

and model language for certain Fair Credit Reporting Act requirements, 

and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

NOVEMBER 23, 2021 

Ms. DEAN (for herself and Mr. HOLLINGSWORTH) introduced the following 

bill; which was referred to the Committee on Financial Services 

A BILL 

To direct the Bureau of Consumer Financial Protection to 

issue model forms and model language for certain Fair 

Credit Reporting Act requirements, 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 ‘‘Clarity in Consumer 

5 Disclosures Act of 2021’’. 


pamtmann on DSKBC07HB2PROD with BILLS
2 

•HR 6067 IH

1 SEC. 2. MODEL FORMS AND MODEL LANGUAGE FOR CER2 TAIN FAIR CREDIT REPORTING ACT RE3 QUIREMENTS. 

4 (a) MODEL FORMS AND MODEL LANGUAGE.— 

5 (1) IN GENERAL.—The Fair Credit Reporting 

6 Act (15 U.S.C. 1601 et seq.) is amended by adding 

7 after section 604 the following new section: 

8 ‘‘§ 604A. Model forms and model language 

9 ‘‘(a) IN GENERAL.—Not later than one year after the 

10 date of the enactment of this section, the Director of the 

11 Bureau shall develop and issue— 

12 ‘‘(1) model language for a certification that 

13 may be used by a person to comply with section 

14 604(b)(1)(A); 

15 ‘‘(2) model forms of disclosure, authorization, 

16 notice, and consent that may be used by a consumer 

17 or other person to comply with section 604(b)(2); 

18 ‘‘(3) a model consent form and model language 

19 for inclusion in any forms that may be used by a 

20 consumer to provide the consent required under sec21 tion 604(g)(1)(B)(ii); 

22 ‘‘(4) a model form and model language for in23 clusion in any forms that may be used to provide a 

24 consumer with the disclosure and statement required 

25 under section 606(a)(1); 


pamtmann on DSKBC07HB2PROD with BILLS
3 

•HR 6067 IH

1 ‘‘(5) model language for a certification that 

2 may be used by a person to comply with section 

3 606(a)(2); and 

4 ‘‘(6) model language of certification that may 

5 be used by a person seeking to procure a consumer 

6 report under section 604(f)(2) or 607(a). 

7 ‘‘(b) FORMAT.—The Director— 

8 ‘‘(1) shall ensure that the model forms and 

9 model language described in subsection (a) are in 

10 plain language comprehensible to an average reader 

11 and do not include citations to law; 

12 ‘‘(2) to the extent practicable, shall develop a 

13 single, integrated model form for use to comply with 

14 the requirements of section 604, 606, or 607; 

15 ‘‘(3) shall ensure that such model forms and 

16 model language are comprehensible and can be eas17 ily adapted based on specific consumer reports; and 

18 ‘‘(4) with respect to model language for a cer19 tification described in paragraph (1) or (6) of sub20 section (a), shall allow the user of a consumer report 

21 to include such model language in other documents 

22 to prospectively certify to a consumer reporting 

23 agency user compliance with the requirements of 

24 section 604(b)(1)(A) or 606(a)(2), as applicable. 


pamtmann on DSKBC07HB2PROD with BILLS
4 

•HR 6067 IH

1 ‘‘(c) RULEMAKING.—In developing the model forms 

2 under subsection (a), the Director shall publish a notice 

3 in the Federal Register seeking written comments from 

4 the public. 

5 ‘‘(d) SAFE HARBOR.—Any person or consumer re6 porting agency that elects to provide a model form devel7 oped under subsection (a) that accurately reflects the 

8 practices of such person or such agency shall be deemed 

9 to be in compliance with the requirements to which the 

10 model form corresponds. 

11 ‘‘(e) SPECIFIC COMPONENTS.—In developing the 

12 model forms under subsection (a), the Director— 

13 ‘‘(1) shall review State laws regulating con14 sumer reports; 

15 ‘‘(2) shall develop such model forms to satisfy 

16 any requirements imposed by State law that are sub17 stantially similar to those described in subsection 

18 (a); 

19 ‘‘(3) with respect any disclosures that applica20 ble law requires to consist solely of the disclosure, 

21 may deem that such model form satisfies such dis22 closure; and 

23 ‘‘(4) with respect to a model form that includes 

24 a disclosure described in paragraph (3), may require 

25 that such model form consist solely of the disclosure 


pamtmann on DSKBC07HB2PROD with BILLS
5 

•HR 6067 IH

1 along with any other information the Director deter2 mines necessary to properly complete the form.’’. 

3 (2) CLERICAL AMENDMENT.—The table of sec4 tions for Fair Credit Reporting Act is amended by 

5 adding after the item relating to section 604 the fol6 lowing new item: 

‘‘604A. Model forms and model language.’’. 

7 (b) REPORT TO CONGRESS.—Not later than 6 

8 months after the issuance of model forms and model lan9 guage under section 604A of the Fair Credit Reporting 

10 Act (as added by subsection (a) of this section), the Direc11 tor of the Bureau of Consumer Financial Protection shall 

12 submit to Congress a report that includes— 

13 (1) the methodology used by the Director to 

14 create such model forms and model language; and 

15 (2) an analysis of the use of such model forms 

16 and model language. 

Æ 


pamtmann on DSKBC07HB2PROD with BILLS