I 
114TH CONGRESS 
1ST SESSION H. R. 1703 
To amend the Fair Credit Reporting Act to create protected credit reports 
for minors and protect the credit of minors, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 26, 2015 
Mr. LANGEVIN (for himself, Mr. LYNCH, Ms. CLARK of Massachusetts, and 
Mr. CA´RDENAS) introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To amend the Fair Credit Reporting Act to create protected 
credit reports for minors and protect the credit of mi-
nors, 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 ‘‘Protect Children from 
Theft Act of 2015’’. 
SEC. 2. PROTECTIONS FOR CREDIT REPORTS OF MINORS. 
(a) IN GENERAL.—The Fair Credit Reporting Act 
(15 U.S.C. 1681 et seq.) is amended by inserting after 
section 605B the following new section: 
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‘‘SEC. 605C. ADDITIONAL PROTECTIONS FOR CREDIT RE-
PORTS OF MINOR CONSUMERS. 
‘‘(a) IN GENERAL.—A consumer reporting agency de-
scribed in section 603(p) shall, upon request by a covered 
guardian of a minor consumer, create a blocked file for 
the minor consumer or convert a file of the minor con-
sumer already in existence to a blocked file. 
‘‘(b) REQUIREMENTS.—The Bureau, by rule, shall es-
tablish procedures— 
‘‘(1) for a consumer reporting agency described 
in section 603(p) to properly identify the covered 
guardian and the minor consumer prior to creating, 
converting, or unblocking a blocked file for such 
minor consumer; 
‘‘(2) for such a consumer reporting agency to 
create a blocked file for a minor consumer or to con-
vert a file of a minor consumer already in existence 
to a blocked file; and 
‘‘(3) consistent with subsection (c), for a cov-
ered guardian to unblock a file. 
‘‘(c) UNBLOCKING A FILE.— 
‘‘(1) IN
GENERAL.—A consumer reporting 
agency described in section 603(p) shall unblock a 
blocked file upon request by a covered guardian or 
on the date of the 18th birthday of the minor con-
sumer. 
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‘‘(2) ALERT STATEMENT.—An alert statement 
shall be included in a file unblocked pursuant to 
paragraph (1) if the minor consumer was a victim 
of fraud or identity theft before the date of the 18th 
birthday of the minor consumer as follows: 
‘‘(A) For a file unblocked upon request by 
a covered guardian, for a period of time begin-
ning on the date such file is unblocked and end-
ing on the date that is 1 year after the date of 
the 18th birthday of the minor consumer. 
‘‘(B) For a file unblocked on the date of 
the 18th birthday of the minor consumer, for a 
period of 1 year after such date. 
‘‘(3) DUTY OF RESELLER.—With respect to in-
formation concerning a consumer whose file contains 
an alert statement, a reseller shall include such alert 
statement when furnishing such information. 
‘‘(d) FEES.— 
‘‘(1) IN
GENERAL.—The Bureau shall deter-
mine if a fee may be charged, and the amount of the 
fee charged, by a consumer reporting agency de-
scribed in section 603(p) to create, convert, or 
unblock a file. 
‘‘(2) FEES PROHIBITED.—A consumer report-
ing agency described in section 603(p) may not 
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charge a fee to a minor consumer who was a victim 
of fraud or identity theft prior to the date of the mi-
nor’s 18th birthday, to create, convert, or unblock a 
file. 
‘‘(e) EXCEPTIONS.—No provision of this section shall 
be construed as requiring a consumer reporting agency de-
scribed in section 603(p) to prevent a Federal, State, or 
local law enforcement agency from accessing a blocked file. 
‘‘(f) DEFINITIONS.—In this section the following defi-
nitions shall apply: 
‘‘(1) ALERT
STATEMENT.—The term ‘alert 
statement’ means a statement that— 
‘‘(A) notifies all prospective users of a con-
sumer report relating to the consumer that the 
consumer may be a victim of fraud, including 
identity theft; and 
‘‘(B) is presented in a manner that facili-
tates a clear and conspicuous view of the state-
ment described in subparagraph (A) by any 
person requesting such consumer report. 
‘‘(2) BLOCKED FILE.—The term ‘blocked file’ 
means a file of a minor consumer in which, pursuant 
to this section, a consumer reporting agency— 
‘‘(A) maintains a file with the name, social 
security number, date of birth, and, if applica-
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ble, any credit information of the minor con-
sumer; 
‘‘(B) may not provide any person with a 
consumer report of the minor consumer; and 
‘‘(C) blocks the input of any information 
into the file, except with permission from a cov-
ered guardian of the minor consumer. 
‘‘(3) COVERED GUARDIAN.—The term ‘covered 
guardian’ means— 
‘‘(A) the legal guardian of a minor child; 
‘‘(B) the custodian of a minor child; or 
‘‘(C) in the case of a child in foster care, 
the State agency or Indian tribe or tribal orga-
nization responsible for the child’s foster care. 
‘‘(4) MINOR CONSUMER.—The term ‘minor con-
sumer’ means an consumer who has not attained 18 
years of age.’’. 
(b) TABLE OF CONTENTS AMENDMENT.—The table 
of contents of the Fair Credit Reporting Act (15 U.S.C. 
1681 et seq.) is amended by inserting after the item re-
lated to section 605B the following new item: 
‘‘605C. Additional protections for credit reports of minor consumers.’’. 
Æ 
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