Protect Federal Workers' Credit Act

To enable Federal employees and contractors to correct their credit reports to remove adverse items of information reported as a result of a shutdown, and for other purposes. 1. Short title This Act may be cited as the Protect Federal Workers' Credit Act 2. Definitions Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a (bb) Contractor The term contractor (cc) Covered period The term covered period (1) the period beginning on the date on which a shutdown begins and ending on the date that is 30 days after the date on which the shutdown ends; and (2) with respect to the shutdown that began on December 21, 2018, and ended on January 25, 2019, the 60-day period beginning on the date of enactment of this Act. (dd) Federal worker The term Federal worker (1) means an employee of a Government agency that had a lapse in appropriations as a result of a shutdown; and (2) includes an employee of a contractor that has a contract with a Government agency that had a lapse in appropriations as a result of a shutdown. (ee) Shutdown The term shutdown (ff) Small business concern The term small business concern 15 U.S.C. 632 . 3. Limitation on furnishing an adverse item of information resulting from the shutdown Section 623 of the Fair Credit Reporting Act ( 15 U.S.C. 1681s–2 (f) Limitation on furnishing adverse information resulting from a shutdown A person shall not furnish any adverse item of information relating to a consumer during a covered period to any consumer reporting agency if the person has been notified by the consumer that— (1) the ability of the consumer to make an on-time payment during the covered period has been materially affected by a shutdown; or (2) the late or missed payment by the consumer during the covered period was a result of a shutdown. . 4. Prohibition on including an adverse item of information in consumer reports Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) (9) An adverse item of information reported to the consumer reporting agency relating to a consumer during a covered period if— (A) the consumer is a Federal worker listed in the database described in section 611(h)(2); or (B) the consumer has successfully requested the removal of an adverse item of information contained in the consumer's file pursuant to the process described in section 611(h)(4). . 5. Process for deleting negative information from consumer reports The Fair Credit Reporting Act ( 15 U.S.C. 1681 (1) in section 609(c)(1)(B) ( 15 U.S.C. 1681g(c)(1)(B) (A) in clause (v), by striking and (B) in clause (vi), by striking the period at the end and inserting ; and (C) by adding at the end the following: (vi) the right of a consumer to— (I) request the deletion of adverse items of information under section 611(h)(4); and (II) request 2 consumer reports, without charge to the consumer, under section 611(h)(5). ; and (2) in section 611 ( 15 U.S.C. 1681i (A) in subsection (a)(1)(A), by inserting and subsection (h) , if the completeness (B) by adding at the end the following: (h) Deletion of adverse items of information resulting from a shutdown (1) Requirement to provide list of impacted Federal workers (A) Recent shutdown Not later than 30 days after the date of enactment of this subsection— (i) each Government agency for which there was a lapse in appropriations during the shutdown that ended on January 25, 2019, shall provide to the Bureau a list of each Federal worker who was furloughed or required to work without pay for any period of time during a shutdown; and (ii) each Federal contractor impacted by the shutdown that ended on January 25, 2019, shall provide to the Bureau a list of each employee whose pay was reduced or delayed as a result of a shutdown. (B) Subsequent shutdowns With respect to a shutdown beginning after January 25, 2019, not later than 3 days after the date on which the shutdown ends— (i) each Government agency for which there was a lapse in appropriations shall provide to the Bureau a list of each Federal worker who was furloughed or required to work without pay for any period of time during the shutdown; and (ii) each Federal contractor impacted by the shutdown shall provide to the Bureau a list of each employee whose pay was reduced or delayed as a result of the shutdown. (2) Database The Bureau shall establish and maintain a secure database that— (A) is accessible to consumer reporting agencies described in section 603(p) and nationwide specialty consumer reporting agencies to check and automatically delete any adverse item of information reported during a covered period with respect to a Federal worker under paragraph (3); and (B) contains the information reported under paragraph (1). (3) Deletion of adverse items of information by nationwide consumer reporting and nationwide specialty consumer reporting agencies (A) In general Each consumer reporting agency described in section 603(p) and each nationwide specialty consumer reporting agency shall, using the information contained in the database established under paragraph (2), delete from the file of each Federal worker named in the database each adverse item of information reported to the agency during the covered period. (B) Timeline Each agency described in subparagraph (A) shall— (i) delete adverse items of information as soon as practicable after information that is reported under paragraph (1) appears in the database established under paragraph (2); and (ii) not later than the date that is 3 days after the end of a covered period, delete any remaining adverse items of information that were reported between the date on which adverse items of information were deleted under clause (i) and the end of the covered period. (4) Request for deletion of adverse items of information (A) In general A consumer who is an employee or owner of a small business concern and who was materially affected by a shutdown may submit a request, without charge to the consumer, to a consumer reporting agency to delete from the consumer's file an adverse item of information reported to the consumer reporting agency during the covered period. (B) Timing A consumer may submit a request under subparagraph (A)— (i) with respect to the shutdown that ended on January 25, 2019, not later than 90 days after the date of enactment of this subsection; and (ii) with respect to a shutdown beginning after January 25, 2019, not later than 90 days after the date on which the shutdown ends. (C) Removal and notification Upon receiving a request under this paragraph to delete an adverse item of information, a consumer reporting agency shall— (i) delete the adverse item of information from the consumer's file if the consumer provides documentation to the consumer reporting agency that the consumer is— (I) a Federal worker whose pay was delayed or reduced during the covered period; or (II) an employee or owner of a small business concern who was materially affected by a shutdown; and (ii) notify the consumer and the furnisher of the adverse item of information of the deletion. (5) Free credit reports (A) In general A consumer reporting agency shall make all disclosures pursuant to section 609 twice during the 12-month period following the end of a shutdown upon request by a consumer impacted by the shutdown and without charge to the consumer— (i) with respect to the shutdown that ended on January 25, 2019, if the consumer makes a request within 180 days after the date of enactment of this subsection; and (ii) with respect to a shutdown beginning after January 25, 2019, if the consumer makes a request within 180 days after the date on which the shutdown ends. (B) Timing A consumer reporting agency shall provide a consumer report under subparagraph (A) not later than 15 days after the date on which the request is received under subparagraph (A). (C) Additional reports A consumer report provided under subparagraph (A) shall be in addition to any report requested by the consumer under section 612(a). (D) Prohibition A consumer reporting agency that receives a request under subparagraph (A) may not request or require any documentation from the consumer that demonstrates that the consumer was impacted by a shutdown as a condition of receiving the consumer report. (6) Posting of rights Not later than 30 days after the date of enactment of this Act, and immediately after the beginning of a shutdown, each consumer reporting agency shall prominently post and maintain a direct link on the homepage of the public website of the consumer reporting agency information relating to the right of consumers to— (A) request the deletion of adverse items of information under paragraph (4); and (B) request 2 consumer reports, without charge to the consumer, under paragraph (5). .

Summary: Protect Federal Workers' Credit Act This bill generally restricts the inclusion of certain negative credit information on credit reports upon notification that an individual was affected by a federal government shutdown. Specifically, the bill prohibits (1) an individual from reporting such negative credit information to a consumer reporting agency and (2) the inclusion of such negative credit information on a credit report. The Consumer Financial Protection Bureau must maintain a database of affected federal employees and contractors and make the database accessible to consumer reporting agencies. Subsequently, consumer reporting agencies must delete all negative credit information from the relevant time period regarding affected federal employees and contractors. Consumer reporting agencies must also make additional free credit reports available to an affected individual upon request.