I 
110TH CONGRESS 
1ST SESSION H. R. 2568 
To amend the Fair Credit Reporting Act to establish additional reporting 
requirements to enhance the detection of identity theft, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JUNE 5, 2007 
Mr. GALLEGLY introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To amend the Fair Credit Reporting Act to establish addi-
tional reporting requirements to enhance the detection 
of identity theft, 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. SHORT TITLE. 
This Act may be cited as the ‘‘Credit Agencies Iden-
tity Theft Responsibilities Act of 2007’’. 
SEC. 2. IDENTITY THEFT REPORTING. 
(a) IN GENERAL.—Section 608 of the Fair Credit 
Reporting Act (15 U.S.C. 1681f) is amended— 
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(1) by striking ‘‘Notwithstanding the provisions 
of section 604’’ and inserting ‘‘(a) IN GENERAL.— 
Notwithstanding the provisions of section 604’’; and 
(2) by adding at the end the following new sub-
section: 
‘‘(b) SUSPICION OF IDENTITY THEFT.— 
‘‘(1) IN GENERAL.—If, on the basis of informa-
tion on consumers maintained or controlled by a 
consumer reporting agency, the consumer reporting 
agency has reason to suspect that identity theft may 
be occurring or may have occurred with respect to 
any consumer, the consumer reporting agency shall 
report the suspicion of identity theft, a brief descrip-
tion of the basis for the suspicion, together with any 
information described in subsection (a) relating to 
any consumer name involved to the United States 
Secret Service for review and appropriate action, in-
cluding the provision of information to the Attorney 
General for criminal prosecution. If the Secret Serv-
ice has reason to believe that any suspected case of 
identity theft reported under this paragraph involves 
any suspicion of terrorism or immigration violations, 
the Secret Service shall forward the information re-
ceived under this paragraph to the Federal Bureau 
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of Investigation or the Department of Homeland Se-
curity, respectively. 
‘‘(2) BASIS
FOR
SUSPICION
OF
IDENTITY 
THEFT.—For purposes of this subsection, a con-
sumer reporting agency shall have reason to suspect 
that identity theft may be occurring or may have oc-
curred under any of the following circumstances: 
‘‘(A) The names of 3 or more consumers 
each have the same Social Security account 
number associated with the names. 
‘‘(B) 3 or more home addresses are associ-
ated with the name of any consumer in any 1- 
year period. 
‘‘(C) More than 1 date of birth is associ-
ated with the name of any consumer or any So-
cial Security account number. 
‘‘(D) Any other circumstance the Commis-
sion may prescribe by regulation. 
‘‘(3) DUTY
TO
REVIEW.—Each consumer re-
porting agency shall establish procedures, in accord-
ance with regulations the Commission shall pre-
scribe, for reviewing, at regular time intervals, all in-
formation on consumers maintained or controlled by 
the agency to determine whether there is any basis 
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for suspicion of identity theft with respect to any 
consumer.’’. 
(b) PENALTY.—The Fair Credit Reporting Act (15 
U.S.C. 1681 et seq.) is amended by adding at the end 
the following new section: 
‘‘§ 630. Criminal penalty 
‘‘Any individual who is an officer, director, employee, 
or agent of a consumer reporting agency and who inten-
tionally causes the consumer reporting agency to fail to 
comply with any requirement of section 608(b) shall be 
imprisoned for not more than 2 years, fined under title 
18, United States Code, or both.’’. 
(c) CLERICAL AMENDMENT.—The table of sections 
for the Fair Credit Reporting Act is amended by inserting 
after the item relating to section 629 the following new 
item: 
‘‘630. Criminal penalty.’’. 
Æ 
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