116TH CONGRESS 
2D SESSION 
H. R. 3621 
AN ACT 
To amend the Fair Credit Reporting Act to remove adverse 
information for certain defaulted or delinquent private 
education loan borrowers who demonstrate a history of 
loan repayment, 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 ‘‘Comprehensive Credit 
Reporting Enhancement, Disclosure, Innovation, and 
Transparency Act of 2020’’ or the ‘‘Comprehensive 
CREDIT Act of 2020’’. 
SEC. 2. TABLE OF CONTENTS. 
The table of contents for this Act is as follows: 
Sec. 1. Short title. 
Sec. 2. Table of contents. 
Sec. 3. Findings. 
Sec. 4. Effective date. 
Sec. 5. Discretionary surplus fund. 
TITLE I—IMPROVEMENTS TO THE DISPUTE PROCESS 
Sec. 101. Dispute procedures and disclosures relating to reinvestigations. 
Sec. 102. Consumer awareness of dispute rights. 
Sec. 103. Maintenance of records by furnishers. 
Sec. 104. Duties of furnishers relating to dispute procedures, notices, and dis-
closures. 
Sec. 105. Right to appeal disputes relating to reinvestigations and investiga-
tions. 
Sec. 106. Revised consumer reports. 
Sec. 107. Indication of dispute by consumers and use of disputed information. 
Sec. 108. Accuracy and completeness report duties for consumer reporting 
agencies and furnishers. 
Sec. 109. Inclusion of public record data sources in consumer reports. 
Sec. 110. Injunctive relief for victims. 
TITLE II—FREE CREDIT SCORES FOR CONSUMERS 
Sec. 201. Definitions. 
Sec. 202. Consumer information on calculation of scores. 
Sec. 203. Disclosures relating to credit scores and educational credit scores. 
Sec. 204. Free credit score disclosures and consumer reports. 
Sec. 205. Provision of consumer reports and credit scores by private edu-
cational lenders. 
Sec. 206. Provision of consumer reports and credit scores by motor vehicle 
lenders or indirect auto lenders. 
Sec. 207. Provision of consumer reports and credit scores by residential mort-
gage lenders. 
TITLE III—STUDENT BORROWER CREDIT IMPROVEMENT ACT 
Sec. 301. Removal of adverse information for certain private education loan 
borrowers. 
Sec. 302. Private education loan definitions.
TITLE IV—CREDIT RESTORATION FOR VICTIMS OF PREDATORY 
ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES 
Sec. 401. Adverse credit information. 
Sec. 402. Expedited removal of fully paid or settled debt from consumer re-
ports. 
Sec. 403. Medical debt collections. 
Sec. 404. Credit restoration for victims of predatory mortgage lending and serv-
icing. 
Sec. 405. Credit restoration for certain private education loans borrowers. 
Sec. 406. Financial abuse prevention. 
Sec. 407. Prohibition of certain factors related to Federal credit restoration or 
rehabilitation. 
TITLE V—CLARITY IN CREDIT SCORE FORMATION 
Sec. 501. Consumer Bureau study and report to Congress on the impact of 
non-traditional data. 
Sec. 502. Consumer Bureau oversight of credit scoring models. 
Sec. 503. Review of changes to credit scoring models. 
TITLE VI—RESTRICTIONS ON CREDIT CHECKS FOR 
EMPLOYMENT DECISIONS 
Sec. 601. Prohibition on the use of credit information for most employment de-
cisions. 
TITLE VII—PROHIBITION ON MISLEADING AND UNFAIR 
CONSUMER REPORTING PRACTICES 
Sec. 701. Prohibition on automatic renewals for promotional consumer report-
ing and credit scoring products and services. 
Sec. 702. Prohibition on misleading and deceptive marketing related to the pro-
vision of consumer reporting and credit scoring products and 
services. 
Sec. 703. Prohibition on excessive direct-to-consumer sales. 
Sec. 704. Fair access to consumer reporting and credit scoring disclosures for 
nonnative English speakers and the visually and hearing im-
paired. 
Sec. 705. Comparison shopping for loans without harm to credit standing. 
Sec. 706. Nationwide consumer reporting agencies registry. 
Sec. 707. Protection for certain consumers affected by a shutdown. 
TITLE VIII—PROTECTIONS AGAINST IDENTITY THEFT, FRAUD, 
OR A RELATED CRIME 
Sec. 801. Identity theft report definition. 
Sec. 802. Amendment to protection for files and credit records of protected 
consumers. 
Sec. 803. Enhancement to fraud alert protections. 
Sec. 804. Amendment to security freezes for consumer reports. 
Sec. 805. Clarification of information to be included with agency disclosures. 
Sec. 806. Provides access to fraud records for victims. 
Sec. 807. Required Bureau to set procedures for reporting identity theft, fraud, 
and other related crime. 
Sec. 808. Establishes the right to free credit monitoring and identity theft pro-
tection services for certain consumers.
Sec. 809. Ensures removal of inquiries resulting from identity theft, fraud, or 
other related crime from consumer reports. 
TITLE IX—MISCELLANEOUS 
Sec. 901. Definitions. 
Sec. 902. Technical correction related to risk-based pricing notices. 
Sec. 903. FCRA findings and purpose; voids certain contracts not in the public 
interest. 
Sec. 904. GAO study on the use of credit in housing determinations. 
Sec. 905. GAO study on the effects of credit scores impacted by a student bor-
rower’s defaulted or delinquent private education loan. 
Sec. 906. GAO study on consumer reporting agency compliance with consent 
orders. 
Sec. 907. Protections for active duty uniformed consumer. 
Sec. 908. Positive credit reporting permitted. 
Sec. 909. Sense of Congress. 
Sec. 910. Cybersecurity supervision and examination of large consumer report-
ing agencies. 
SEC. 3. FINDINGS. 
Congress finds the following: 
(1) GENERAL FINDINGS ON CREDIT REPORT-
ING.— 
(A) 
Consumer 
reporting 
agencies 
(‘‘CRAs’’) are companies that collect, compile, 
and provide information about consumers in the 
form of consumer reports for certain permis-
sible statutory purposes under the Fair Credit 
Reporting Act (15 U.S.C. 1681 et seq.) 
(‘‘FCRA’’). The three largest CRAs in this 
country 
are 
Equifax, 
TransUnion, 
and 
Experian. These CRAs are referred to as na-
tionwide CRAs and the reports that they pre-
pare are commonly referred to as credit reports. 
Furnishers, such as creditors, lenders, and debt 
collection agencies, voluntarily submit informa-