datamatters24/research-document-archive huggingface dataset:
I
104TH CONGRESS
1ST SESSION
H. R. 55
To protect the voting rights of homeless citizens.
IN THE HOUSE OF REPRESENTATIVES
JANUARY 4, 1995
Mr. LEWIS of Georgia (for himself, Mr. FRANK of Massachusetts, Mr. CON-
YERS, Mr. OWENS, Ms. PELOSI, Ms. NORTON, Mr. KENNEDY of Massa-
chusetts, Mr. MORAN, Mr. OBERSTAR, Mr. MFUME, Mr. FLAKE, Mr.
ACKERMAN, Mr. ROMERO-BARCELO´, Mr. TOWNS, Mr. HALL of Ohio, Mr.
GONZALEZ, and Mr. MINETA) introduced the following bill; which was re-
ferred to the Committee on the Judiciary
A BILL
To protect the voting rights of homeless citizens.
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the ‘‘Voting Rights of
Homeless Citizens Act of 1995’’.
SEC. 2. VOTING RIGHTS OF HOMELESS CITIZENS.
No voting qualification or prerequisite to voting, or
standard, practice, or procedure shall be imposed or ap-
plied by any State or political subdivision to deny or
abridge the right of any citizen of the United States to
vote because that citizen resides at or in a nontraditional
abode.
SEC. 3. ENFORCEMENT.
The Attorney General may commence in the name of
the United States a civil action (including an action
against a State or political subdivision) or an aggrieved
citizen may institute a proceeding under this Act, for in-
junctive relief against a violation of section 2.
SEC. 4. RELATIONSHIP TO VOTING RIGHTS ACT OF 1965.
This Act shall not be construed to impair any right
guaranteed by the Voting Rights Act of 1965 (42 U.S.C.
1973 et seq.).
SEC. 5. DEFINITIONS.
As used in this Act, the term ‘‘nontraditional abode’’
includes—
(1) a supervised publicly or privately operated
shelter designed to provide temporary living accom-
modations (including welfare hotels, congregate shel-
ters, and transitional housing for the mentally ill);
and
(2) a public or private place not designated for,
or ordinarily used as, regular sleeping accommoda-
tion for human beings.
SEC. 6. EFFECTIVE DATE.
This Act applies with respect to elections taking place
after December 31, 1995.
Æ
‘‘(c) COORDINATION WITH TREATMENT OF CAPITAL
GAIN UNDER LIMITATION ON INVESTMENT INTEREST.—
For purposes of this section, the net capital gain for any
taxable year shall be reduced (but not below zero) by the
amount which the taxpayer takes into account as invest-
ment income under section 163(d)(4)(B)(iii).
‘‘(d) TRANSITIONAL RULE.—
‘‘(1) IN GENERAL.—In the case of a taxable
year which includes January 1, 1995—
‘‘(A) the amount taken into account as the
net capital gain under subsection (a) shall not
exceed the net capital gain determined by only
taking into account gains and losses properly
taken into account for the portion of the tax-
able year on or after January 1, 1995, and
‘‘(B) if the net capital gain for such year
exceeds the amount taken into account under
subsection (a), the rate of tax imposed by sec-
tion 1 on such excess shall not exceed 28 per-
cent.
‘‘(2) SPECIAL
RULES
FOR
PASS-THRU
ENTI-
TIES.—
‘‘(A) IN GENERAL.—In applying paragraph
(1) with respect to any pass-thru entity, the de-
termination of when gains and losses are prop-
H. R. 1735 
One Hundred Fourteenth Congress 
of the 
United States of America 
AT THE FIRST SESSION 
Begun and held at the City of Washington on Tuesday, 
the sixth day of January, two thousand and fifteen 
An Act 
To authorize appropriations for fiscal year 2016 for military activities of the Depart-
ment of Defense, for military construction, and for defense activities of the Depart-
ment of Energy, to prescribe military personnel strengths for such fiscal year, 
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. SHORT TITLE. 
This Act may be cited as the ‘‘National Defense Authorization 
Act for Fiscal Year 2016’’. 
SEC. 2. ORGANIZATION OF ACT INTO DIVISIONS; TABLE OF CONTENTS. 
(a) DIVISIONS.—This Act is organized into four divisions as 
follows: 
(1) Division A—Department of Defense Authorizations. 
(2) Division B—Military Construction Authorizations. 
(3) Division C—Department of Energy National Security 
Authorizations and Other Authorizations. 
(4) Division D—Funding Tables. 
(b) TABLE OF CONTENTS.—The table of contents for this Act 
is as follows: 
Sec. 1. Short title. 
Sec. 2. Organization of Act into divisions; table of contents. 
Sec. 3. Congressional defense committees. 
Sec. 4. Budgetary effects of this Act. 
DIVISION A—DEPARTMENT OF DEFENSE AUTHORIZATIONS 
TITLE I—PROCUREMENT 
Subtitle A—Authorization of Appropriations 
Sec. 101. Authorization of appropriations. 
Subtitle B—Army Programs 
Sec. 111. Prioritization of upgraded UH–60 Blackhawk helicopters within Army 
National Guard. 
Sec. 112. Roadmap for replacement of A/MH–6 Mission Enhanced Little Bird air-
craft to meet special operations requirements. 
Sec. 113. Report on options to accelerate replacement of UH–60A Blackhawk heli-
copters of Army National Guard. 
Sec. 114. Sense of Congress on tactical wheeled vehicle protection kits. 
Subtitle C—Navy Programs 
Sec. 121. Modification of CVN–78 class aircraft carrier program. 
Sec. 122. Amendment to cost limitation baseline for CVN–78 class aircraft carrier 
program. 
Sec. 123. Extension and modification of limitation on availability of funds for Lit-
toral Combat Ship. 
Sec. 124. Modification to multiyear procurement authority for Arleigh Burke class 
destroyers and associated systems.
contain, if relevant to the bill or joint resolution, an
explicit statement on whether the bill or joint resolu-
tion, in whole or in part, is intended to preempt any
State, local, or tribal law, and if so, an explanation
of the reasons for such intention.
‘‘(c) PUBLICATION OF STATEMENT FROM THE DI-
RECTOR.—
‘‘(1) IN GENERAL.—Upon receiving a statement
(including any supplemental statement) from the Di-
rector pursuant to section 424(a), a committee of
the House of Representatives or the Senate shall
publish the statement in the committee report ac-
companying the bill or joint resolution to which the
statement relates if the statement is available to be
included in the printed report.
‘‘(2) OTHER PUBLICATION OF STATEMENT OF
DIRECTOR.—If the statement is not published in the
report, or if the bill or joint resolution to which the
statement relates is expected to be considered by the
House of Representatives or the Senate before the
report is published, the committee shall cause the
statement, or a summary thereof, to be published in
the Congressional Record in advance of floor consid-
eration of the bill or joint resolution.
I
104TH CONGRESS
1ST SESSION
H. R. 561
To amend the Fair Credit Reporting Act, and for other purposes.
IN THE HOUSE OF REPRESENTATIVES
JANUARY 18, 1995
Mr. GONZALEZ (for himself, Mr. VENTO, Mr. SCHUMER, Mr. FRANK of Mas-
sachusetts, Mr. KENNEDY of Massachusetts, Mr. FLAKE, Mr. MFUME,
Ms. WATERS, Ms. ROYBAL-ALLARD, Mr. BARRETT of Wisconsin, and Mr.
HINCHEY) introduced the following bill; which was referred to the Com-
mittee on Banking and Financial Services
A BILL
To amend the Fair Credit Reporting Act, and for other
purposes.
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled,
SECTION 1. TABLE OF CONTENTS.
The table of contents for this Act is as follows:
Sec. 1. Table of contents.
TITLE I—AMENDMENTS TO FAIR CREDIT REPORTING ACT
Sec. 101. Short title.
Sec. 102. Definitions.
Sec. 103. Furnishing consumer reports; use for employment purposes.
Sec. 104. Amendments relating to use of consumer reports for prescreening;
prohibition on unauthorized or uncertified use of information.
Sec. 105. Consumer consent required to furnish consumer report containing
medical information.
Sec. 106. Amendments relating to obsolete information and information con-
tained in consumer reports.
Sec. 107. Amendments relating to compliance procedures.
Sec. 108. Amendments relating to consumer disclosures.
Sec. 109. Amendments relating to procedures in case of the disputed accuracy
of any information in a consumer’s file.
Sec. 110. Amendment relating to charges for disclosure.
Sec. 111. Amendments relating to duties of users of consumer reports and du-
ties of affiliates sharing certain information.
Sec. 112. Amendments relating to civil liability.
Sec. 113. Amendments relating to responsibilities of persons who furnish infor-
mation to consumer reporting agencies.
Sec. 114. Investigative consumer reports.
Sec. 115. Increased criminal penalties for obtaining information under false
pretenses.
Sec. 116. Administrative enforcement.
Sec. 117. State enforcement of Fair Credit Reporting Act.
Sec. 118. Federal Reserve Board authority.
Sec. 119. Preemption of State law.
Sec. 120. Action by FTC and Federal Reserve Board.
Sec. 121. Amendment to Fair Debt Collection Practices Act.
Sec. 122. Furnishing consumer reports for purposes relating to child support.
Sec. 123. Disclosure of information and consumer reports to FBI for counter-
intelligence purposes.
Sec. 124. Effective dates.
Sec. 125. Relationship to other law.
Sec. 126. Technical correction to Depository Institutions Management Inter-
locks Act.
TITLE II—CREDIT REPAIR ORGANIZATIONS
Sec. 201. Regulation of credit repair organizations.
TITLE III—TRUTH IN LENDING ACT
Sec. 301. Treatment of delivery fees and intangibles taxes.
Sec. 302. Limitations on liability.
TITLE I—AMENDMENTS TO FAIR
CREDIT REPORTING ACT
SEC. 101. SHORT TITLE.
This title may be cited as the ‘‘Consumer Reporting
Reform Act of 1995’’.
SEC. 102. DEFINITIONS.
(a) ADVERSE ACTION.—Section 603 of the Fair
Credit Reporting Act (15 U.S.C. 1681a) is amended by
adding at the end the following new subsection:
‘‘(k)(1) The term ‘adverse action’ means the follow-
ing:
‘‘(A) A denial or revocation of credit, a denial
of an application for an increase of an existing credit
limit, an unfavorable change in the terms of an ex-
isting credit arrangement, or a refusal to grant cred-
it in substantially the amount or on substantially the
terms requested; except that the term ‘adverse ac-
tion’ does not include—
‘‘(i) a refusal to extend additional credit
under an existing credit arrangement if the ap-
plicant is delinquent or otherwise in default as
to that account, or
‘‘(ii) a refusal or failure to authorize an ac-
count transaction at a point of sale which would
exceed a previously established credit limit.
‘‘(B) A denial or cancellation of, an increase in
any charge for, or a reduction or other adverse or
unfavorable change in the terms of coverage or
amount of, any insurance, existing or applied for, in
connection with the underwriting of insurance.
‘‘(C) A denial of employment or any other deci-
sion for employment purposes which adversely af-
fects any current or prospective employee.
‘‘(D) A denial or cancellation of, an increase in
any charge for, or any other adverse or unfavorable
change in the terms of, any license or benefit de-
scribed in section 604(a)(3)(D).
‘‘(E) An action taken or determination made—
‘‘(i) in connection with an application
which was made by, or a transaction which was
initiated by, any consumer, or in connection
with a review of account information under sec-
tion 604(a)(3)(E)(ii); and
‘‘(ii) which is adverse to the interest of the
consumer.
‘‘(2) For purposes of any determination of whether
an action is an adverse action under paragraph (1)(A),
all appropriate final findings, decisions, commentary, and
orders issued under section 701(d)(6) of the Equal Credit
Opportunity Act by the Board of Governors of the Federal
Reserve System or any court shall apply.’’.
(b) FIRM OFFER OF CREDIT.—Section 603 of the
Fair Credit Reporting Act (15 U.S.C. 1681a) is further
amended by adding after subsection (k) (as added by sub-
section (a) of this section) the following:
whole or in part on the report a person shall provide
to the consumer to whom the report relates—
‘‘(A) a copy of the report;
‘‘(B) a description in writing of the con-
sumer’s rights under this title, as prescribed by
the Federal Trade Commission under section
609(c)(3); and
‘‘(C) a reasonable period (not required to
exceed 5 business days following receipt of the
report by the consumer) to respond to any in-
formation in the report that is disputed by the
consumer and notice in writing of the oppor-
tunity for the consumer to respond in that pe-
riod, except that such an opportunity to re-
spond and notice are not required if the person
takes the adverse action based on a reasonable
belief that the consumer has engaged in fraudu-
lent or criminal activity that is related to, or
that could affect, the consumer’s employment.
‘‘(4) LIMITATION
ON
PURPOSES.—Subject to
paragraph (1), a consumer reporting agency may
furnish information bearing on the creditworthiness
of a consumer, and a person may use such informa-
tion, for employment purposes that do not relate to
racy or completeness of the disputed
information.
‘‘(C) PROCEDURES
TO
PREVENT
RE-
APPEARANCE.—A consumer reporting agency
shall maintain reasonable procedures designed
to prevent the reappearance in a consumer’s
file, and in consumer reports on the consumer,
of information that is deleted pursuant to this
paragraph (other than information that is
reinserted in accordance with subparagraph
(B)(i)).
‘‘(D) FREE
CONSUMER
REPORT
DURING
12-MONTH PERIOD AFTER DELETION OF INFOR-
MATION.—Upon the request of a consumer, a
consumer reporting agency shall make all dis-
closures pursuant to section 609 without charge
to that consumer at least once during the 12-
month period after the consumer receives a no-
tification under paragraph (6) or paragraph (8)
of the deletion of information that is found to
be inaccurate or cannot be verified.
‘‘(E) AUTOMATED REINVESTIGATION SYS-
TEM.—
‘‘(i) IN GENERAL.—Any consumer re-
porting agency that compiles and main-
paragraphs (2), (6), and (7) with respect to that dis-
pute if the agency—
‘‘(A) provides prompt notice of the deletion
to the consumer by telephone;
‘‘(B) includes in that notice, or in a writ-
ten notice that accompanies a confirmation and
consumer report provided in accordance with
subparagraph (C), a statement of the consum-
er’s right to request under subsection (d) that
the agency furnish notifications under that sub-
section; and
‘‘(C) provides written confirmation of the
deletion and a copy of a consumer report on the
consumer which is based on the consumer’s file
after the deletion, within 5 business days after
making the deletion.’’.
(b) CONFORMING AMENDMENT.—Subsection (d) of
section 611 of the Fair Credit Reporting Act (15 U.S.C.
1681i(d)) is amended by striking ‘‘The consumer report-
ing agency shall clearly’’ and all that follows through the
end of the subsection.
SEC. 110. AMENDMENT RELATING TO CHARGES FOR DIS-
CLOSURE.
Section 612 of the Fair Credit Reporting Act (15
U.S.C. 1681j) is amended to read as follows:
‘‘§ 612. Charges for certain disclosures
‘‘(a) REASONABLE CHARGES ALLOWED FOR CER-
TAIN DISCLOSURES.—Except as provided in subsections
(b), (c), (d), and (e), a consumer reporting agency may
impose a reasonable charge on a consumer—
‘‘(1) for making a disclosure to the consumer
pursuant to section 609, which—
‘‘(A) shall not exceed $8; and
‘‘(B) shall be indicated to the consumer
prior to making disclosure; and
‘‘(2) for furnishing pursuant to section 611(d),
following a reinvestigation under section 611(a), a
statement, codification, or summary to a person des-
ignated by the consumer under that section after the
30-day period beginning on the date of notification
of the consumer under section 611(a)(6) or (8) with
respect to the reinvestigation, which—
‘‘(A) shall not exceed the charge that the
agency would impose on each designated recipi-
ent for a consumer report; and
‘‘(B) shall be indicated to the consumer
prior to furnishing such information.
‘‘(b) FREE CONSUMER REPORT AFTER ADVERSE
NOTICE TO CONSUMER.—Each consumer reporting agen-
cy that maintains a file on a consumer shall make all dis-
closures pursuant to section 609 without charge to the
consumer if, within 60 days after receipt by such
consumer of a notification pursuant to section 615 or of
a notification from a debt collection agency affiliated with
that consumer reporting agency stating that the consum-
er’s credit rating may be or has been adversely affected,
the consumer makes a request under section 609.
‘‘(c) FREE CONSUMER REPORT UNDER CERTAIN
OTHER
CIRCUMSTANCES.—Upon the request of the
consumer, a consumer reporting agency shall make all dis-
closures pursuant to section 609 without charge to that
consumer if the consumer certifies in writing that the
consumer—
‘‘(1) is unemployed and intends to apply for
employment in the 60-day period beginning on the
date the certification is made;
‘‘(2) is a recipient of public welfare assistance;
or
‘‘(3) has reason to believe that the file on the
consumer at the agency contains inaccurate informa-
tion due to fraud.
‘‘(d) OTHER CHARGES PROHIBITED.—A consumer
reporting agency shall not impose any charge on a
consumer for providing any notification required by this
Act or making any disclosure required by this Act, except
as authorized by subsection (a).
‘‘(e) ANNUAL CONSUMER REPORT UPON REQUEST
AT SPECIFIED CHARGE.—
‘‘(1) IN GENERAL.—Upon the written request
of a consumer, a consumer reporting agency that
maintains a file on the consumer shall make all dis-
closures pursuant to section 609 once in any 12-
month period, at the charge specified in paragraph
(2).
‘‘(2) CHARGE SPECIFIED.—The charge for dis-
closures under paragraph (1) shall be an amount
that does not exceed the lesser of—
‘‘(A) the total cost incurred by the
consumer reporting agency in making the dis-
closures; or
‘‘(B) $3.’’.
SEC. 111. AMENDMENTS RELATING TO DUTIES OF USERS
OF CONSUMER REPORTS AND DUTIES OF AF-
FILIATES SHARING CERTAIN INFORMATION.
(a) DUTIES OF USERS TAKING ADVERSE ACTIONS.—
Section 615(a) of the Fair Credit Reporting Act (15
U.S.C. 1681m(a)) is amended to read as follows:
‘‘(a) DUTIES OF USERS TAKING ADVERSE ACTIONS
ON
THE
BASIS
OF
INFORMATION
CONTAINED
IN
CONSUMER REPORTS.—If any person takes any adverse
action with respect to any consumer which is based in
action described in section 603(k)(1) (B) or
(C);
‘‘(B) a denial of any other transaction ini-
tiated by the consumer for personal, family, or
household purposes; or
‘‘(C) an increase in any charge for a trans-
action described in subparagraph (B).
‘‘(3) INFORMATION
DESCRIBED.—Information
referred to in paragraph (1)—
‘‘(A) except as provided in subparagraph
(B), is information that—
‘‘(i) is furnished to the person taking
the action by a person related by common
ownership or affiliated by common cor-
porate control to the person taking the ac-
tion; and
‘‘(ii) bears on the consumer’s credit
worthiness, credit standing, credit capacity,
character, general reputation, personal
characteristics, or mode of living; and
‘‘(B) does not include—
‘‘(i) information solely as to trans-
actions 
or 
experiences 
between 
the
consumer and the person furnishing the in-
formation; or
‘‘(ii) information in a consumer re-
port.’’.
(d) CONFORMING AMENDMENT.—Section 615(c) of
the Fair Credit Reporting Act (15 U.S.C. 1681m(c)) is
amended by striking ‘‘subsections (a) and (b)’’ and insert-
ing ‘‘this section’’.
SEC. 112. AMENDMENTS RELATING TO CIVIL LIABILITY.
(a) CIVIL LIABILITY
FOR WILLFUL NONCOMPLI-
ANCE, GENERALLY.—Section 616 of the Fair Credit Re-
porting Act (15 U.S.C. 1681n) is amended by striking
‘‘Any consumer reporting agency or user of information
which’’ and inserting ‘‘(a) IN GENERAL.—Any person
who’’.
(b) MINIMUM CIVIL LIABILITY FOR WILLFUL NON-
COMPLIANCE.—Section 616(1) of the Fair Credit Report-
ing Act (15 U.S.C. 1681n(1)) is amended to read as fol-
lows:
‘‘(1)(A) any actual damages sustained by the
consumer as a result of the failure or damages of no
less than $100 and no more than $1,000; or
‘‘(B) in the case of liability of a natural person
for obtaining a consumer report under false pre-
tenses or knowingly without a permissible purpose,
actual damages sustained by the consumer as a re-
sult of the failure or $1,000, whichever is greater;’’.
ing an investigative consumer report on a consumer
for employment purposes if the making of the in-
quiry by an employer or prospective employer of the
consumer would violate any applicable Federal or
State equal employment opportunity law or regula-
tion.
‘‘(3) CERTAIN
PUBLIC
RECORD
INFORMA-
TION.—Except as otherwise provided in section 613,
a consumer reporting agency shall not furnish an in-
vestigative consumer report which includes informa-
tion which is a matter of public record and which re-
lates to an arrest, indictment, conviction, civil judi-
cial action, tax lien, or outstanding judgment, unless
the agency has verified the accuracy of the informa-
tion within the 30-day period ending on the date the
report is furnished.
‘‘(4) CERTAIN
ADVERSE
INFORMATION.—A
consumer reporting agency shall not prepare or fur-
nish an investigative consumer report on a consumer
that contains information that is adverse to the in-
terest of the consumer and that is obtained through
a personal interview with a neighbor, friend, or asso-
ciate of the consumer or with another person with
whom the consumer is acquainted or who has knowl-
edge of such item of information, unless—
against a person under paragraph (1)(B) for a
violation of section 623(a)(1), unless—
‘‘(i) the person has been enjoined
from committing the violation, in an action
brought by the State under paragraph
(1)(A); and
‘‘(ii) the person has violated the in-
junction.
‘‘(B) LIMITATION ON DAMAGES RECOVER-
ABLE.—In an action against a person under
paragraph (1)(B) for a violation of section
623(a)(1), a State may not recover any dam-
ages incurred before the date of the violation of
an injunction on which the action is based.’’.
SEC. 118. FEDERAL RESERVE BOARD AUTHORITY.
Section 621 of the Fair Credit Reporting Act (15
U.S.C. 1681s), is further amended by adding after sub-
section (d) (as redesignated by section 117) the following
new subsection:
‘‘(e) INTERPRETIVE AUTHORITY.—The Board of
Governors of the Federal Reserve System may issue inter-
pretations of any provision of this title as it may apply
to any persons identified under paragraph (1), (2), and
(3) of subsection (b), or to the holding companies and af-
filiates of such persons, in consultation with Federal agen-
cies identified in paragraphs (1), (2), and (3) of subsection
(b).’’.
SEC. 119. PREEMPTION OF STATE LAW.
Section 624 of the Fair Credit Reporting Act, as re-
designated by section 113(a) of this Act, is further amend-
ed—
(1) by striking ‘‘This title’’ and inserting ‘‘(a)
IN GENERAL.—Except as provided in subsections
(b) and (c), this title’’; and
(2) by adding at the end the following:
‘‘(b) GENERAL EXCEPTIONS.—No requirement or
prohibition may be imposed under the laws of any State—
‘‘(1) with respect to any subject matter regu-
lated under—
‘‘(A) subsection (c) or (d) of section 604,
relating to the prescreening of consumer re-
ports;
‘‘(B) section 611, relating to the time by
which a consumer reporting agency must take
any action, including the provision of notifica-
tion to a consumer or other person, in any pro-
cedure related to the disputed accuracy of infor-
mation in a consumer’s file, except that this
subparagraph does not apply to any State law