underserved communities and populations in issuing the 
rule described in subsection (a).’’; and 
(2) in the table of contents for such Act, as 
amended by section 203, by adding at the end the fol-
lowing new item: 
‘‘632. Fair access to information for nonnative English speakers and the visually 
and hearing impaired.’’. 
SEC. 205. COMPARISON SHOPPING FOR LOANS WITHOUT 
HARM TO CREDIT STANDING. 
Section 605 of the Fair Credit Reporting Act (15 
U.S.C. 1681c) is amended by adding at the end the fol-
lowing new subsection: 
‘‘(i) ENCOURAGING
CONSUMERS
TO
COMPARISON 
SHOP FOR LOANS BY TREATING GROUPED ENQUIRIES OF 
THE SAME TYPE WITHIN A REASONABLE PERIOD AS A SIN-
GLE ENQUIRY.— 
‘‘(1) IN
GENERAL.—With respect to multiple 
enquiries of the same type made to a consumer re-
porting agency for a consumer report or credit score 
with respect to a consumer, any credit scoring model 
shall treat such enquiries as a single enquiry if the 
enquiries are made within a 120-day period. 
‘‘(2) DEFINITION OF ENQUIRIES OF THE SAME 
TYPE.—With respect to multiple enquiries made to a 
consumer reporting agency for a consumer report or 
credit score with respect to a consumer, such enquiries 
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are ‘of the same type’ if the consumer reporting agen-
cy has reason to believe that the enquiries are all 
made for the purpose of determining the consumer’s 
creditworthiness for an extension of credit described 
in one of the following: 
‘‘(A) Any loan primarily for personal, fam-
ily, or household use that is secured by a mort-
gage, deed of trust, or other equivalent consen-
sual security interest on a dwelling (as defined 
in section 103(w) of the Truth in Lending Act), 
including a loan in which the proceeds will be 
used for— 
‘‘(i) a manufactured home (as defined 
in section 603 of the Housing and Commu-
nity Development Act of 1974 (42 U.S.C. 
5402)); 
‘‘(ii) any installment sales contract, 
land contract, or contract for deed on a res-
idential property; or 
‘‘(iii) a reverse mortgage transaction 
(as defined in section 103 of the Truth in 
Lending Act). 
‘‘(B) A motor vehicle loan or lease (as de-
scribed in section 609(j)). 
‘‘(C) A private education loan. 
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‘‘(D) Any other consumer financial product 
or service, as determined by the Bureau.’’. 
SEC. 206. NATIONWIDE CONSUMER REPORTING AGENCIES 
REGISTRY. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.), as amended by section 204, is further amended— 
(1) by adding at the end the following new sec-
tion: 
‘‘§ 633. Nationwide consumer reporting agencies reg-
istry 
‘‘(a) IN GENERAL.—Not later than 1 year after the 
date of enactment of this section, the Bureau shall establish 
and maintain a publicly accessible registry of consumer re-
porting agencies described in subsection (p) or (x) of section 
603 (and any other agencies the Bureau determines provide 
similar services to such consumer reporting agencies) that 
includes current contact information of each such agency, 
including the Internet website address of the Internet 
website described under section 611(h), and information on 
how consumers can obtain their consumer report, credit 
scores, or educational credit scores (as applicable) by toll- 
free telephone, postal mail, or electronic means. 
‘‘(b) REGISTRY REQUIREMENTS.—The registry de-
scribed in subsection (a) shall— 
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‘‘(1) identify the largest agencies and the mar-
kets and demographics covered by such agencies; and 
‘‘(2) disclose, with respect to each agency, wheth-
er the agency is subject to the supervisory authority 
of the Bureau under this title. 
‘‘(c) INFORMATION UPDATES.—Each agency described 
under subsection (a) shall submit to the Bureau contact in-
formation for the registry, including any updates to such 
information. The Bureau shall— 
‘‘(1) independently verify information submitted 
by each agency; and 
‘‘(2) update the registry not less frequently than 
annually.’’; and 
(2) in the table of contents for such Act, as 
amended by section 204, by adding at the end the fol-
lowing new item: 
‘‘633. Nationwide consumer reporting agencies registry.’’. 
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Union Calendar No. 288 
116TH CONGRESS 
1ST SESSION 
H. R. 3642 
[Report No. 116–363] 
A BILL 
To amend the Fair Credit Reporting Act to fix the 
consumer report dispute process, to ban mis-
leading and unfair consumer reporting practices, 
and for other purposes. 
DECEMBER 23, 2019 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
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