I 
116TH CONGRESS 
1ST SESSION H. R. 2824 
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 
MAY 17, 2019 
Mr. COHEN (for himself, Ms. NORTON, and Mr. LAWSON of Florida) 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 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 2019’’. 
SEC. 2. CREDIT SCORES INCLUDED IN FREE ANNUAL DIS-
CLOSURES. 
(a) IN GENERAL.—Section 609 of the Fair Credit 
Reporting Act (15 U.S.C. 1681g) is amended— 
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(1) in subsection (a)(1)— 
(A) by striking ‘‘and’’ at the end and in-
serting a period; 
(B) by striking ‘‘except that—’’ and all 
that follows through ‘‘(A) if the’’ and inserting 
‘‘except that if the’’; and 
(C) by striking subparagraph (B); 
(2) in subsection (a), by adding at the end the 
following: 
‘‘(7) If the consumer reporting agency is a con-
sumer reporting agency that compiles and maintains 
files on consumers on a nationwide basis as de-
scribed in section 603(p), each such agency shall dis-
close a current credit score generated using the scor-
ing algorithm, formula, model, program, or mecha-
nism that is most frequently used to generate credit 
scores sold to creditors, subject to regulations of the 
Bureau, along with any information in the con-
sumer’s file at the time of the request concerning 
credit scores or any other risk scores or other pre-
dictors relating to the consumer, if such request is 
made in connection with a free annual disclosure 
made pursuant to section 612(a). 
‘‘(8) Such other consumer information as the 
Bureau considers appropriate with respect to con-
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sumer financial education, including the information 
required by subsection (f)(1), information describing 
the credit score of the consumer with respect to a 
range of possible credit scores, and the general fac-
tors contributing to the credit scores of consumers.’’; 
and 
(3) in subsection (f)— 
(A) in paragraph (1)— 
(i) by striking ‘‘, a consumer report-
ing agency’’ and all that follows through 
‘‘shall include—’’ and inserting ‘‘or a risk 
score, a consumer reporting agency shall 
supply to the consumer—’’; and 
(ii) by amending subparagraph (A) to 
read as follows: 
‘‘(A) any credit score or risk score in the 
file of the consumer at the consumer reporting 
agency;’’; 
(B) in paragraph (2)— 
(i) by redesignating subparagraph (B) 
as subparagraph (C); and 
(ii) by striking subparagraph (A) and 
inserting the following: 
‘‘(A) CREDIT
SCORE.—The term ‘credit 
score’ means a numerical value or a categoriza-
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tion derived from a statistical tool or modeling 
system used by a person who makes or ar-
ranges a loan to predict the likelihood of certain 
credit behaviors, including default. 
‘‘(B) RISK SCORE.—The term ‘risk score’ 
means a numerical value or a categorization de-
rived from a statistical tool or modeling system 
based upon information from a consumer report 
for the purpose of predicting the likelihood of 
certain behaviors or outcomes, and includes 
scores used for the underwriting of insurance.’’; 
(C) by striking paragraph (6) and insert-
ing the following: 
‘‘(6) MAINTENANCE OF CREDIT SCORES.—All 
consumer reporting agencies shall maintain in the 
consumer’s file credit scores or any other risk scores 
or other predictors relating to the consumer for a 
period of not less than 1 year beginning on the date 
on which such information is generated.’’; 
(D) by striking paragraph (7) and redesig-
nating paragraphs (8) and (9) as paragraphs 
(7) and (8), respectively; and 
(E) in paragraph (7) (as so redesignated), 
by inserting before the period at the end the 
following: ‘‘, except that a consumer reporting 
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agency described in section 603(p) shall provide 
a credit score without charge to the consumer 
if the consumer is requesting the score in con-
nection with a free annual disclosure made pur-
suant to section 612(a)’’. 
(b) INCLUSION IN FREE REPORTS.—Section 612(g) 
of the Fair Credit Reporting Act (15 U.S.C. 1681j(g)) is 
amended— 
(1) in paragraph (1)— 
(A) by striking ‘‘free credit report’’ and in-
serting ‘‘free or low cost credit report or credit 
score’’; and 
(B) by inserting ‘‘and free credit scores’’ 
after ‘‘free credit reports’’; and 
(2) in paragraph (2), by inserting ‘‘or free cred-
it score, as applicable,’’ after ‘‘free credit report’’. 
(c) TECHNICAL CORRECTIONS.—The Fair Credit Re-
porting Act (15 U.S.C. 1681a et seq.) is amended— 
(1) in section 603 (15 U.S.C. 1681a)— 
(A) in subsection (d)(2)(D), by striking 
‘‘(x)’’ and inserting ‘‘(y)’’; 
(B) in subsection (q)(5), by striking 
‘‘103(i)’’ and inserting ‘‘103(j)’’; and 
(C) in subsection (v), by striking ‘‘Bureau’’ 
and inserting ‘‘Federal Trade Commission’’; 
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