I 
113TH CONGRESS 
2D SESSION 
H. R. 4672 
To amend the Fair Credit Reporting Act to provide protections for active 
duty military consumers, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MAY 19, 2014 
Ms. LINDA T. SA´NCHEZ of California (for herself and Mr. LAMBORN) intro-
duced the following bill; which was referred to the Committee on Finan-
cial Services 
A BILL 
To amend the Fair Credit Reporting Act to provide protec-
tions for active duty military consumers, 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. NOTICE OF STATUS AS AN ACTIVE DUTY MILI-
TARY CONSUMER. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended— 
(1) in section 605, by adding at the end the fol-
lowing: 
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‘‘(i) NOTICE OF STATUS AS AN ACTIVE DUTY MILI-
TARY CONSUMER.—With respect to an item of adverse in-
formation about a consumer, if the action or inaction that 
gave rise to the item occurred while the consumer was an 
active duty military consumer, the consumer may provide 
appropriate proof, including official orders, to a consumer 
reporting agency that the consumer was an active duty 
military consumer at the time such action or inaction oc-
curred, and any consumer report provided by the con-
sumer reporting agency that includes such item of infor-
mation shall clearly and conspicuously disclose that the 
consumer was an active duty military consumer when the 
action or inaction that gave rise to the item occurred.’’; 
(2) in section 605A(c)— 
(A) by striking ‘‘Upon’’ and inserting the 
following: 
‘‘(1) IN GENERAL.—Upon’’; 
(B) by redesignating paragraphs (1), (2), 
and (3) as subparagraphs (A), (B), and (C), 
and moving such redesignated subparagraphs 2 
ems to the right; and 
(C) by adding at the end the following: 
‘‘(2) NEGATIVE
INFORMATION
ALERT.—Any 
time a consumer reporting agency receives an item 
of adverse information about a consumer, if the con-
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sumer has provided appropriate proof that the con-
sumer is an active duty military consumer, the con-
sumer reporting agency shall promptly notify the 
consumer— 
‘‘(A) that the agency has received such 
item of adverse information, along with a de-
scription of the item; and 
‘‘(B) the method by which the consumer 
can dispute the validity of the item. 
‘‘(3) CONTACT INFORMATION FOR ACTIVE DUTY 
MILITARY CONSUMERS.—With respect to any con-
sumer that has provided appropriate proof to a con-
sumer reporting agency that the consumer is an ac-
tive duty military consumer, if the consumer pro-
vides the consumer reporting agency with separate 
contact information to be used when communicating 
with the consumer while the consumer is an active 
duty military consumer, the consumer reporting 
agency shall use such contact information for all 
communications while the consumer is an active 
duty military consumer. 
‘‘(4) SENSE OF CONGRESS.—It is the sense of 
Congress that any person making use of a consumer 
report containing an item of adverse information 
should, if the action or inaction that gave rise to the 
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item occurred while the consumer was an active duty 
military consumer, take such fact into account when 
evaluating the creditworthiness of the consumer.’’; 
and 
(3) in section 611(a)(1), by adding at the end 
the following: 
‘‘(D) NOTICE
OF
DISPUTE
RELATED
TO 
ACTIVE DUTY MILITARY CONSUMERS.—With re-
spect to any item of information described 
under subparagraph (A) that is under dispute, 
if the consumer has notified the consumer re-
porting agency, and provided appropriate proof, 
that the consumer was an active duty military 
consumer at the time the action or inaction that 
gave rise to the disputed item occurred, the 
consumer reporting agency shall include such 
fact in the consumer’s file and shall indicate 
that fact in each consumer report that includes 
the disputed item.’’. 
Æ 
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