I 
111TH CONGRESS 
2D SESSION 
H. R. 4538 
To amend the Fair Credit Reporting Act to require the inclusion of credit 
scores with free annual credit reports provided to consumers, and for 
other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 27, 2010 
Mr. COHEN (for himself, Mr. THOMPSON of Mississippi, Mr. GUTIERREZ, Mr. 
NADLER of New York, Mr. BUTTERFIELD, Mr. CARSON of Indiana, Mr. 
CLAY, Mr. DELAHUNT, Mr. DOGGETT, Ms. KAPTUR, Mr. MCDERMOTT, 
Mr. RANGEL, Mr. STARK, Mr. TOWNS, Ms. VELA´ZQUEZ, and Mr. WATT) 
introduced the following bill; which was referred to the Committee on Fi-
nancial Services 
A BILL 
To amend the Fair Credit Reporting Act to require the 
inclusion of credit scores with free annual credit reports 
provided to 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. SHORT TITLE. 
This Act may be cited as the ‘‘Fair Access to Credit 
Scores Act of 2010’’. 
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SEC. 2. CREDIT SCORES INCLUDED IN FREE ANNUAL DIS-
CLOSURES. 
Section 609 of the Fair Credit Reporting Act (15 
U.S.C. 1681g) is amended— 
(1) in subsection (a)(1), by adding at the end 
the following flush sentence: 
‘‘Notwithstanding subparagraph (B), all consumer 
reporting agencies described in section 603(p) shall 
disclose any information in the consumer’s file at the 
time of the request concerning credit scores or any 
other risk scores or predictors relating to the con-
sumer if such request is made in connection with a 
free annual disclosure made pursuant to section 
612(a).’’; and 
(2) in subsection (f), by amending paragraph 
(6) to read as follows: 
‘‘(6) MAINTENANCE OF CREDIT SCORES.—All 
consumer reporting agencies described in section 
603(p) shall maintain information in the consumer’s 
file concerning credit scores or any other risk scores 
or predictors relating to the consumer for a period 
of no less than 1 year from the date on which such 
information is placed in the consumer’s file.’’. 
SEC. 3. BANKRUPTCY RISK SCORE STUDY. 
(a) GAO STUDY.—The Comptroller General of the 
United States shall carry out a study of bankruptcy risk 
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scores used by consumer reporting agencies. Such study 
shall include an analysis of— 
(1) the factors used to determine bankruptcy 
risk scores; 
(2) how bankruptcy risk scores impact the abil-
ity of consumers to receive loans; 
(3) actions that consumers can take to improve 
their bankruptcy risk score; and 
(4) such other factors as the Comptroller Gen-
eral determines to be appropriate. 
(b) REPORT.—Not later than the end of the 6-month 
period beginning on the date of the enactment of this Act, 
the Comptroller General shall submit a report to the Con-
gress containing all findings and determinations made in 
carrying out the study required under subsection (a). 
(c) BANKRUPTCY RISK SCORE DEFINED.—For pur-
poses of this section, the term ‘‘bankruptcy risk score’’ 
means a numerical value or a categorization derived from 
a statistical tool or modeling system used to predict the 
likelihood of whether a consumer will file for bankruptcy. 
Æ 
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