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[Congressional Bills 114th Congress]
[From the U.S. Government Publishing Office]
[S. 96 Introduced in Senate (IS)]

114th CONGRESS
  1st Session
                                 S. 96

   To amend the Consumer Financial Protection Act of 2010 to provide 
 consumers with a free annual disclosure of information the Bureau of 
    Consumer Financial Protection maintains on them, and for other 
                               purposes.

_______________________________________________________________________

                   IN THE SENATE OF THE UNITED STATES

                            January 7, 2015

  Mr. Vitter introduced the following bill; which was read twice and 
    referred to the Committee on Banking, Housing, and Urban Affairs

_______________________________________________________________________

                                 A BILL

 
   To amend the Consumer Financial Protection Act of 2010 to provide 
 consumers with a free annual disclosure of information the Bureau of 
    Consumer Financial Protection maintains on them, and for other 
                               purposes.

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

SECTION 1. ANNUAL DISCLOSURE TO CONSUMERS.

    (a) In General.--Section 1022(c)(9) of the Consumer Financial 
Protection Act of 2010 (12 U.S.C. 5512(c)(9)) is amended by adding at 
the end the following:
                    ``(C) Annual disclosure to consumers.--
                            ``(i) In general.--Once during any 12-month 
                        period, upon request of a consumer and without 
                        charge to the consumer, the Bureau shall 
                        clearly and accurately disclose to the 
                        consumer, before the end of the 15-day period 
                        beginning on the day the request is made, the 
                        following:
                                    ``(I) All information with respect 
                                to the consumer held by the Bureau at 
                                the time of the request, except that if 
                                the consumer to whom the information 
                                relates requests that the first 5 
                                digits of the social security number 
                                (or similar identification number) of 
                                the consumer not be included in the 
                                disclosure, and the Bureau has received 
                                appropriate proof of the identity of 
                                the requester, the Bureau shall so 
                                truncate such number in such 
                                disclosure.
                                    ``(II) The sources of the 
                                information.
                                    ``(III) Any person or other Federal 
                                department or agency to which the 
                                Bureau disclosed information described 
                                under subclause (I).
                            ``(ii) Method of request.--The Bureau shall 
                        allow consumers to make a request under clause 
                        (i)--
                                    ``(I) online, with a link 
                                prominently displayed on the Bureau's 
                                website;
                                    ``(II) via United States mail; and
                                    ``(III) via a toll-free telephone 
                                number established by the Bureau for 
                                such purpose.''.
    (b) Effective Date.--Section 1022(c)(9)(C) of the Consumer 
Financial Protection Act of 2010 (12 U.S.C. 5512(c)(9)(C)), as added by 
subsection (a), shall take effect with respect to consumer requests 
made after the 1-year period beginning on the date of the enactment of 
this Act.
                                 <all>
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