I 
116TH CONGRESS 
1ST SESSION H. R. 5332 
To amend the Fair Credit Reporting Act to ensure that consumer reporting 
agencies are providing fair and accurate information reporting in con-
sumer reports, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 6, 2019 
Mr. GOTTHEIMER (for himself and Mr. REED) introduced the following bill; 
which was referred to the Committee on Financial Services 
A BILL 
To amend the Fair Credit Reporting Act to ensure that 
consumer reporting agencies are providing fair and accu-
rate information reporting in consumer reports, 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; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Protecting Your Credit Score Act of 2019’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
Sec. 2. Establishment of online consumer portal landing page for consumer ac-
cess to certain credit information. 
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Sec. 3. Accuracy in consumer reports. 
Sec. 4. Improved Dispute Process for Consumer Reporting Agencies. 
Sec. 5. Injunctive relief. 
Sec. 6. Increased transparency. 
Sec. 7. Consumer reporting agency registry. 
Sec. 8. Authority of Bureau with respect to consumer reporting agencies. 
Sec. 9. Bureau standards for protecting nonpublic information. 
Sec. 10. Report on data security risk assessments in examinations of consumer 
reporting agencies. 
Sec. 11. GAO study on the use of social security numbers. 
SEC. 2. ESTABLISHMENT OF ONLINE CONSUMER PORTAL 
LANDING PAGE FOR CONSUMER ACCESS TO 
CERTAIN CREDIT INFORMATION. 
(a) IN GENERAL.—Section 612(a)(1) of the Fair 
Credit Reporting Act (15 U.S.C. 1681j(a)(1)) is amended 
by adding at the end the following: 
‘‘(D) ONLINE CONSUMER PORTAL LANDING 
PAGE.— 
‘‘(i) IN GENERAL.—Not later than 1 
year after the date of enactment of this 
subparagraph, each consumer reporting 
agency described in section 603(p) shall 
jointly develop an online consumer portal 
landing page that gives each consumer un-
limited free access to— 
‘‘(I) the consumer report of the 
consumer; 
‘‘(II) the means by which the 
consumer may exercise the rights of 
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the consumer under subparagraph (E) 
and section 604(e); 
‘‘(III) the ability to initiate a dis-
pute with the consumer reporting 
agency regarding the accuracy or 
completeness of any information in a 
report in accordance with section 
611(a) or 623(a)(8); 
‘‘(IV) the ability to place and re-
move a security freeze on a consumer 
report for free under section 605A(i) 
and (j); 
‘‘(V) if the consumer reporting 
agency offers a product to consumers 
to prevent access to the consumer re-
port of the consumer for the purpose 
of preventing identity theft, a disclo-
sure to the consumer regarding the 
differences between that product and 
a security freeze as defined under sec-
tion 605A(i) or (j); 
‘‘(VI) information on who has 
accessed the consumer report of the 
consumer over the last 24 months, 
and, as available, for what permissible 
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purpose the consumer report was fur-
nished in accordance with section 604 
and section 609; and 
‘‘(VII) the credit score of the 
consumer in accordance with section 
609(f)(7). 
‘‘(ii) NO
WAIVER.—A consumer re-
porting agency described in section 603(p) 
may not require a consumer to waive any 
legal or privacy rights to access— 
‘‘(I) a portal established under 
this subparagraph; or 
‘‘(II) any of the services de-
scribed in clause (i) that are provided 
through a portal established under 
this subparagraph. 
‘‘(iii) NO ADVERTISING OR SOLICITA-
TIONS.—A portal established under this 
subparagraph may not contain any adver-
tising, marketing offers, or other solicita-
tions. 
‘‘(iv) EXTENSION.—The Bureau may 
allow the consumer reporting agencies an 
extension of 1 year to develop the online 
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consumer portal landing page required 
under clause (i). 
‘‘(v) 
RULE
OF
CONSTRUCTION.— 
Nothing in this subparagraph may be con-
strued as requiring a consumer reporting 
agency to disclose confidential proprietary 
information through the online consumer 
portal landing page. 
‘‘(E) OPT-OUT OPTIONS.— 
‘‘(i) IN GENERAL.—If a consumer re-
porting agency sells consumer information 
in a manner that is not included in a con-
sumer report, the consumer reporting 
agency shall provide each consumer with a 
method (through a website, by phone, or in 
writing) by which the consumer may elect, 
free of charge, to not have the information 
of the consumer so sold. 
‘‘(ii) NO
EXPIRATION.—An election 
made by a consumer under clause (i) shall 
expire on the date on which the consumer 
expressly revokes the election through a 
website, by phone, or in writing.’’. 
(b) CONFORMING AMENDMENT.—Section 612(f)(1) 
of the Fair Credit Reporting Act (15 U.S.C. 1681j(f)(1)) 
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is amended, in the matter preceding subparagraph (A), 
by adding ‘‘or that is made through the online consumer 
portal 
landing 
page 
established 
under 
subsection 
(a)(1)(D),’’ after ‘‘subsections (a) through (d),’’. 
SEC. 3. ACCURACY IN CONSUMER REPORTS. 
Section 607(b) of the Fair Credit Reporting Act (15 
U.S.C. 1681e) is amended to read as follows: 
‘‘(b) ENSURING ACCURACY.— 
‘‘(1) IN GENERAL.—In preparing a consumer 
report, each consumer reporting agency shall follow 
reasonable procedures to assure maximum possible 
accuracy of the information concerning the consumer 
to whom the report relates. 
‘‘(2) MATCHING INFORMATION IN A FILE.—In 
assuring the maximum possible accuracy under 
paragraph (1), each consumer reporting agency de-
scribed in section 603(p) shall ensure that, when in-
cluding information in the file of a consumer, the 
consumer reporting agency— 
‘‘(A) matches all 9 digits of the social se-
curity number of the consumer with the infor-
mation that the consumer reporting agency is 
including in the file; or 
‘‘(B) if a consumer does not have a social 
security number, matches information that in-
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cludes the full legal name, date of birth, current 
address, and at least one former address of the 
consumer. 
‘‘(3) PERIODIC
AUDITS.—Each consumer re-
porting agency shall perform periodic audits, on a 
schedule determined by the Bureau, on a representa-
tive sample of consumer reports of the agency to 
check for accuracy.’’. 
SEC. 4. IMPROVED DISPUTE PROCESS FOR CONSUMER RE-
PORTING AGENCIES. 
(a) RESPONSIBILITIES OF FURNISHERS OF INFOR-
MATION TO CONSUMER REPORTING AGENCIES.—Section 
623 of the Fair Credit Reporting Act (15 U.S.C. 1681s– 
2) is amended— 
(1) in subsection (a)(8)— 
(A) in subparagraph (E)(ii), by inserting 
‘‘and consider’’ after ‘‘review’’; and 
(B) in subparagraph (F)— 
(i) in clause (i)(II), by inserting ‘‘, 
and does not include any new or additional 
information that would be relevant to a re-
investigation’’ before the period at the end; 
and 
(ii) by adding at the end the following 
new clause: 
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‘‘(iv) NEW OR ADDITIONAL INFORMA-
TION.—For purposes of clause (i)(II), the 
term ‘new or additional information’— 
‘‘(I) means information of a type 
designated by the Bureau; and 
‘‘(II) does not include informa-
tion previously provided to the per-
son.’’; and 
(2) in subsection (b)(1), by inserting ‘‘and con-
sider’’ after ‘‘review’’. 
(b) BUREAU CREDIT REPORTING OMBUDSPERSON.— 
Section 611(a) of the Fair Credit Reporting Act (15 
U.S.C. 1681i(a)) is amended by adding at the end the fol-
lowing: 
‘‘(8) 
BUREAU
CREDIT
REPORTING 
OMBUDSPERSON.— 
‘‘(A) IN
GENERAL.—Not later than 180 
days after the date of enactment of this para-
graph, the Bureau shall establish the position 
of credit reporting ombudsperson, whose spe-
cific duties shall include carrying out the Bu-
reau’s responsibilities with respect to— 
‘‘(i) resolving persistent errors that 
are not resolved in a timely manner by a 
consumer reporting agency; and 
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‘‘(ii) enhancing oversight of consumer 
reporting agencies by— 
‘‘(I) advising the Director of the 
Bureau, in consultation with the Of-
fice of Enforcement and the Office of 
Supervision of the Bureau, on any po-
tential violations of paragraph (5) or 
any other applicable law by a con-
sumer reporting agency, including ap-
propriate corrective action for such a 
violation; and 
‘‘(II) making referrals to the Of-
fice of Supervision for supervisory ac-
tion or the Office of Enforcement for 
enforcement action, as appropriate, in 
response to violations of paragraph 
(5) or any other applicable law by a 
consumer reporting agency. 
‘‘(B) REPORT.—The ombudsperson shall 
submit to the Committee on Financial Services 
of the House of Representatives and the Com-
mittee on Banking, Housing, and Urban Affairs 
of the Senate an annual report including statis-
tics and analysis on consumer complaints the 
Bureau receives relating to consumer reports, 
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as well as a summary of the supervisory actions 
and enforcement actions taken with respect to 
consumer reporting agencies during the year 
covered by the report.’’. 
(c) RESPONSIBILITIES
OF CONSUMER REPORTING 
AGENCIES.—Section 611 of the Fair Credit Reporting Act 
(15 U.S.C. 1681i) is amended— 
(1) in subsection (a)— 
(A) in paragraph (1), by adding at the end 
the following: 
‘‘(D) OBLIGATIONS
OF
CONSUMER
RE-
PORTING
AGENCIES
RELATING
TO
REINVES-
TIGATIONS.—Commensurate with the volume 
and complexity of disputes about which a con-
sumer reporting agency receives notice, or rea-
sonably anticipates to receive notice, under this 
paragraph, each consumer reporting agency 
shall— 
‘‘(i) maintain sufficient personnel to 
conduct reinvestigations of those disputes; 
and 
‘‘(ii) provide training with respect to 
the personnel described in clause (i).’’; 
(B) in paragraph (6)(B)— 
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(i) by amending clause (ii) to read as 
follows: 
‘‘(ii) a copy of the consumer’s file and 
a consumer report that is based upon such 
file as revised, including a description of 
the specific modification or deletion of in-
formation, as a result of the reinvestiga-
tion;’’; 
(ii) by striking clause (iii) and redes-
ignating clauses (iv) and (v) as clauses (vi) 
and (vii), respectively; 
(iii) by inserting after clause (ii) the 
following: 
‘‘(iii) a description of the actions 
taken by the consumer reporting agency 
regarding the dispute; 
‘‘(iv) if applicable, contact information 
for any furnisher involved in responding to 
the dispute and a description of the role 
played by the furnisher in the reinvestiga-
tion process; 
‘‘(v) the options available to the con-
sumer if the consumer is dissatisfied with 
the result of the reinvestigation, includ-
ing— 
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‘‘(I) submitting documents in 
support of the dispute; 
‘‘(II) adding a consumer state-
ment of dispute to the file of the con-
sumer pursuant to subsection (b); 
‘‘(III) filing a dispute with the 
furnisher 
pursuant 
to 
section 
623(a)(8); and 
‘‘(IV) submitting a complaint 
against the consumer reporting agen-
cy or furnishers through the consumer 
complaint database of the Bureau or 
the State attorney general for the 
State in which the consumer resides;’’; 
and 
(C) by striking paragraph (7) and redesig-
nating paragraph (8) as paragraph (7); and 
(D) in paragraph (7), as so redesignated, 
by striking ‘‘paragraphs (2), (6), and (7)’’ and 
inserting ‘‘paragraphs (2) and (6)’’; and 
(2) by adding at the end the following new sub-
section: 
‘‘(h) NOTIFICATION
OF DELETION
OF INFORMA-
TION.—A consumer reporting agency described in section 
603(p) shall communicate with other consumer reporting 
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agencies described in section 603(p) to ensure that a dis-
pute initiated with one consumer reporting agency is noted 
in a file maintained by such other consumer reporting 
agencies.’’. 
SEC. 5. INJUNCTIVE RELIEF. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended— 
(1) in section 616 (15 U.S.C. 1681n)— 
(A) in subsection (a), by amending the 
subsection heading to read as follows: ‘‘DAM-
AGES’’; 
(B) by redesignating subsections (c) and 
(d) as subsections (d) and (e), respectively; and 
(C) by inserting after subsection (b) the 
following: 
‘‘(c) INJUNCTIVE RELIEF.— 
‘‘(1) IN GENERAL.—In addition to any other 
remedy under this section, a court may award in-
junctive relief to require compliance with the re-
quirements imposed under this title with respect to 
any consumer. 
‘‘(2) COSTS
AND
ATTORNEY’S
FEES.—In the 
event of any successful action for injunctive relief 
under this subsection, a court may award to the pre-
vailing party costs and reasonable attorney’s fees (as 
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determined by the court) incurred by the prevailing 
party during the action.’’; and 
(2) in section 617 (15 U.S.C. 1681o)— 
(A) in subsection (a), in the subsection 
heading, by striking ‘‘(a) IN GENERAL.—’’ and 
inserting ‘‘(a) DAMAGES.—’’; 
(B) by redesignating subsection (b) as sub-
section (c); and 
(C) by inserting after subsection (a) the 
following: 
‘‘(b) INJUNCTIVE RELIEF.— 
‘‘(1) IN GENERAL.—In addition to any other 
remedy under this section, a court may award in-
junctive relief to require compliance with the re-
quirements imposed under this title with respect to 
any consumer. 
‘‘(2) COSTS
AND
ATTORNEY’S
FEES.—In the 
event of any successful action for injunctive relief 
under this subsection, a court may award to the pre-
vailing party costs and reasonable attorney’s fees (as 
determined by the court) incurred by the prevailing 
party during the action.’’. 
(3) ENFORCEMENT.—Section 615(h)(8) of the 
Fair Credit Reporting Act (15 U.S.C. 1681m(h)(8)) 
is amended— 
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(A) in subparagraph (A), by striking ‘‘sec-
tion’’ and inserting ‘‘subsection’’; and 
(B) in subparagraph (B), by striking ‘‘This 
section’’ and inserting ‘‘This subsection’’. 
SEC. 6. INCREASED TRANSPARENCY. 
(a) DISCLOSURES TO CONSUMERS.—Section 609 of 
the Fair Credit Reporting Act (15 U.S.C. 1681g) is 
amended— 
(1) in subsection (a)(3)(B)— 
(A) in clause (i), by striking ‘‘and’’ at the 
end; and 
(B) by striking clause (ii) and inserting the 
following: 
‘‘(ii) the address and telephone number of 
the person; and 
‘‘(iii) the permissible purpose, as available, 
of the person for obtaining the consumer re-
port, including the specific type of credit prod-
uct that is extended, reviewed, or collected, as 
described in section 604(a)(3)(A).’’; 
(2) in subsection (f)— 
(A) by amending paragraph (7)(A) to read 
as follows: 
‘‘(A) supply the consumer with a credit 
score through the portal established under sec-
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tion 612(a)(1)(D) or upon request by the con-
sumer, as applicable, that— 
‘‘(i) is derived from a credit scoring 
model that is widely distributed to users by 
that consumer reporting agency for the 
purpose of any extension of credit or other 
transaction designated by the consumer 
who is requesting the credit score; or 
‘‘(ii) is widely distributed to lenders of 
common consumer loan products and pre-
dicts the future credit behavior of the con-
sumer; and’’; and 
(B) in paragraph (8), by inserting ‘‘, ex-
cept that a credit score shall be provided free 
of charge to the consumer if requested in con-
nection with a free annual consumer report de-
scribed in section 612(a) or through the online 
consumer portal landing page established under 
section 612(a)(1)(D)’’ before the period at the 
end; and 
(3) in subsection (g)(1)— 
(A) in subparagraph (A)(ii)— 
(i) in the clause heading, by striking 
‘‘SUBPARAGRAPH (D)’’ and inserting ‘‘SUB-
PARAGRAPH (C)’’; and 
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(ii) by striking ‘‘subparagraph (D)’’ 
and inserting ‘‘subparagraph (C)’’; 
(B) in subparagraph (B)(ii), by striking 
‘‘consistent with subparagraph (C)’’; 
(C) by striking subparagraph (C); and 
(D) by redesignating subparagraphs (D) 
through (G) as subparagraphs (C) through (F), 
respectively. 
(b) NOTIFICATION REQUIREMENTS.— 
(1) ADVERSE INFORMATION NOTIFICATION.— 
(A) IN
GENERAL.—The Fair Credit Re-
porting Act (15 U.S.C. 1681 et seq.) is amend-
ed— 
(i) in section 612 (15 U.S.C. 1681j), 
by striking subsection (b) and inserting the 
following: 
‘‘(b) FREE DISCLOSURE AFTER NOTICE
OF AD-
VERSE ACTION OR OFFER OF CREDIT ON MATERIALLY 
LESS FAVORABLE TERM.—Not later than 30 days after 
the date on which a consumer reporting agency receives 
a notification under subsection (a)(2) or (h)(6) of section 
615, or from a debt collection agency affiliated with the 
consumer reporting agency, the consumer reporting agen-
cy shall make to a consumer, without charge to the con-
sumer, all disclosures that are made to a user of a con-
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sumer report in accordance with the rules prescribed by 
the Bureau.’’; and 
(ii) in section 615(a) (15 U.S.C. 
1681m(a))— 
(I) by redesignating paragraphs 
(2), (3), and (4) as paragraphs (3), 
(4), and (5), respectively; 
(II) by inserting after paragraph 
(1) the following: 
‘‘(2) direct the consumer reporting agency that 
provided the consumer report that was used in the 
decision to take the adverse action to provide the 
consumer with the disclosures described in section 
612(b);’’; and 
(III) in paragraph (5), as so re-
designated— 
(aa) in the matter preceding 
subparagraph (A), by striking 
‘‘of the consumer’s right’’; 
(bb) by striking subpara-
graph (A) and inserting the fol-
lowing: 
‘‘(A) that the consumer shall receive a 
copy of the consumer report with respect to the 
consumer, free of charge, from the consumer 
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reporting agency that furnished the consumer 
report; and’’; and 
(cc) in subparagraph (B), by 
inserting ‘‘of the right of the con-
sumer’’ before ‘‘to dispute’’. 
(B) CONFORMING
AMENDMENT.—Section 
604(b)(2)(B)(i) of the Fair Credit Reporting 
Act (15 U.S.C. 1681b(b)(2)(B)(i)) is amended 
by striking ‘‘section 615(a)(3)’’ and inserting 
‘‘section 615(a)(4)’’. 
(2) NOTIFICATION IN CASES OF LESS FAVOR-
ABLE TERMS.—Section 615(h) of the Fair Credit 
Reporting Act (15 U.S.C. 1681m(h)) is amended— 
(A) in paragraph (1), by striking ‘‘para-
graph (6)’’ and inserting ‘‘paragraph (7)’’; 
(B) in paragraph (2), by striking ‘‘para-
graph (6)’’ and inserting ‘‘paragraph (7)’’; 
(C) in paragraph (5)(C), by striking ‘‘may 
obtain’’ and inserting ‘‘shall receive’’; 
(D) by redesignating paragraphs (6), (7), 
and (8) as paragraphs (7), (8), and (9), respec-
tively; and 
(E) by inserting after paragraph (5) the 
following: 
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‘‘(6) REPORTS PROVIDED TO CONSUMERS.—A 
person who uses a consumer report as described in 
paragraph (1) shall notify and direct the consumer 
reporting agency that provided the consumer report 
to provide the consumer with the disclosures de-
scribed in section 612(b).’’. 
(3) NOTIFICATION
OF
SUBSEQUENT
SUBMIS-
SIONS
OF
NEGATIVE
INFORMATION.—Section 
623(a)(7)(A)(ii) of the Fair Credit Reporting Act 
(15 U.S.C. 1681s–2(a)(7)(A)(ii)) is amended by 
striking ‘‘with respect to’’ and all that follows 
through the period at the end and inserting ‘‘without 
providing additional notice to the consumer, unless 
another person acquires the right to repayment con-
nected to the additional negative information. The 
acquiring person shall be subject to the requirements 
of this paragraph and shall be required to send con-
sumers the written notices described in this para-
graph, if applicable.’’. 
SEC. 7. CONSUMER REPORTING AGENCY REGISTRY. 
Section 621 of the Fair Credit Reporting Act (15 
U.S.C. 1681s) is amended by adding at the end the fol-
lowing: 
‘‘(h) CONSUMER REPORTING AGENCY REGISTRY.— 
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‘‘(1) ESTABLISHMENT OF REGISTRY.—Not later 
than 180 days after the date of enactment of this 
subsection, the Bureau shall establish a publicly 
available registry of consumer reporting agencies 
that includes— 
‘‘(A) each consumer reporting agency that 
compiles and maintains files on consumers on a 
nationwide basis; 
‘‘(B) each nationwide specialty consumer 
reporting agency; 
‘‘(C) all other consumer reporting agencies 
that are not included under section 603(p) or 
603(x); and 
‘‘(D) links to any relevant websites of a 
consumer reporting agency described under 
subparagraphs (A) through (C). 
‘‘(2) REGISTRATION REQUIREMENT.—The Bu-
reau shall establish a deadline, which shall be not 
later than 270 days after the date of the enactment 
of this subsection, by which each consumer reporting 
agency described in paragraph (1) shall be required 
to register in the registry established under such 
paragraph.’’. 
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SEC. 8. AUTHORITY OF BUREAU WITH RESPECT TO CON-
SUMER REPORTING AGENCIES. 
Section 1024(a)(1) of the Dodd-Frank Wall Street 
Reform and Consumer Protection Act (12 U.S.C. 
5514(a)(1)) is amended— 
(1) in subparagraph (D), by striking ‘‘or’’ at 
the end; 
(2) in subparagraph (E), by striking the period 
at the end and inserting ‘‘; or’’; and 
(3) by adding at the end the following new sub-
paragraph: 
‘‘(F) is a consumer reporting agency de-
scribed under section 603(p) of the Fair Credit 
Reporting Act.’’. 
SEC. 9. BUREAU STANDARDS FOR PROTECTING NON-
PUBLIC INFORMATION. 
Title V of the Gramm-Leach-Bliley Act (15 U.S.C. 
6801 et seq.) is amended— 
(1) in section 501, by adding at the end the fol-
lowing new subsection: 
‘‘(c) 
CONSUMER
REPORTING
AGENCY
SAFE-
GUARDS.—The Bureau of Consumer Financial Protection 
shall establish, by rule, appropriate standards for con-
sumer reporting agencies described under section 603(p) 
of the Fair Credit Reporting Act relating to administra-
tive, technical, and physical safeguards to protect records 
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and information as described in paragraphs (1) through 
(3) of subsection (b).’’; 
(2) in section 504(a)(1)(A), by striking ‘‘, ex-
cept that the Bureau of Consumer Financial Protec-
tion shall not have authority to prescribe regulations 
with respect to the standards under section 501’’; 
and 
(3) in section 505(a)(8), by inserting ‘‘, other 
than under subsection (c) of section 501’’ after ‘‘sec-
tion 501’’. 
SEC. 10. REPORT ON DATA SECURITY RISK ASSESSMENTS 
IN EXAMINATIONS OF CONSUMER REPORT-
ING AGENCIES. 
Not later than 90 days after the date of the enact-
ment of this Act, the Director of the Bureau of Consumer 
Financial Protection shall assess whether examinations 
conducted by the Director of consumer reporting agencies 
described under section 603(f) of the Fair Credit Report-
ing Act (15 U.S.C. 1681a(f)) include sufficient processes 
to addresses any data security risks to the consumers of 
such agencies on which such agencies maintain and com-
pile files. Along with the first semiannual report required 
under section 1016(b) of the Consumer Financial Protec-
tion Act of 2010 (12 U.S.C. 5496(b)) to be submitted 
after the 90-day period after the date of the enactment 
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of this Act, the Director shall submit to Congress a report 
containing the results of such assessment that includes— 
(1) recommendations for improving the proc-
esses to addresses any such data security risks; and 
(2) the progress of the Director on making any 
improvements described under paragraph (1). 
SEC. 11. GAO STUDY ON THE USE OF SOCIAL SECURITY 
NUMBERS. 
(a) STUDY.—The Comptroller General of the United 
States shall carry out a study on the feasibility and means 
of consumer reporting agencies replacing the use of social 
security numbers as identifiers with another type of Fed-
eral identification. 
(b) REPORT.—Not later than the end of the 2-year 
period beginning on the date of the enactment of this Act, 
the Comptroller General shall issue a report to the Con-
gress containing all findings and determinations made in 
carrying out the study required under subsection (a). 
Æ 
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