I 
111TH CONGRESS 
1ST SESSION H. R. 2374 
To amend the Fair Credit Reporting Act to make credit scores available 
to consumers once each year free of charge and to allow consumers 
to see the credit score used in connection with any particular lending 
or credit decision, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MAY 12, 2009 
Mr. RODRIGUEZ introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To amend the Fair Credit Reporting Act to make credit 
scores available to consumers once each year free of 
charge and to allow consumers to see the credit score 
used in connection with any particular lending or credit 
decision, 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 ‘‘Credit Score Fairness 
Act of 2009’’. 
VerDate Nov 24 2008 
05:02 May 14, 2009
Jkt 079200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H2374.IH
H2374
wwoods2 on PRODPC68 with BILLS
SEC. 2. CREDIT SCORES. 
(a) FREE ANNUAL DISCLOSURE.—Section 609(f) of 
the Fair Credit Reporting Act (U.S.C. 1681g) is amended 
by striking paragraph (8) and inserting the following new 
paragraph: 
‘‘(8) COST OF DISCLOSURE.— 
‘‘(A) FREE
ANNUAL
DISCLOSURE.—Each 
consumer reporting agency shall make all the 
information required under this subsection with 
respect to any consumer available to the con-
sumer, upon request, once during any 12-month 
period without charge. 
‘‘(B) FAIR AND REASONABLE FEE.—After 
providing 1 free credit score under subpara-
graph (A) to any consumer during any 12- 
month period, a consumer reporting agency 
may charge such consumer a fair and reason-
able fee, as determined by the Commission, for 
providing the information required under this 
subsection to the consumer during such pe-
riod.’’. 
(b) DISCLOSURE OF CREDIT SCORE USED IN MAK-
ING ANY CONSUMER CREDIT DECISION.—Section 609 of 
the Fair Credit Reporting Act (U.S.C. 1681g) is amended 
by adding at the end the following new subsection: 
VerDate Nov 24 2008 
05:02 May 14, 2009
Jkt 079200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H2374.IH
H2374
wwoods2 on PRODPC68 with BILLS
‘‘(h) DISCLOSURE OF CONSUMER CREDIT SCORES BY 
CERTAIN OTHER CREDITORS.— 
‘‘(1) IN
GENERAL.—Each creditor which ex-
tends credit to consumers, other than a creditor to 
which subsection (g) applies with respect to credit 
described in paragraph (1) of such subsection, shall 
provide the following to any consumer as soon as 
reasonably practicable: 
‘‘(A) INFORMATION
REQUIRED
UNDER 
SUBSECTION (f).—A copy of any information 
identified in subsection (f) that was obtained 
from a consumer reporting agency or was devel-
oped and used by the user of the information 
in making any determination with respect to ex-
tending credit to the consumer, including any 
consumer-specific determination to solicit or 
provide an application to such consumer, wheth-
er or not such credit was ever extended or any 
open end consumer credit plan was ever opened 
under which such credit would be, or would 
have been, extended. 
‘‘(B) DISCLOSURES
OF
CREDIT
SCORES 
NOT OBTAINED FROM A CONSUMER REPORTING 
AGENCY.—A creditor which is subject to the re-
quirements of this subsection and uses a credit 
VerDate Nov 24 2008 
05:02 May 14, 2009
Jkt 079200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H2374.IH
H2374
wwoods2 on PRODPC68 with BILLS
‘‘(A) IN GENERAL.—The obligation of any 
person pursuant to this subsection shall be lim-
ited solely to providing a copy of the informa-
tion that was received from the consumer re-
porting agency. 
‘‘(B) LIMIT
ON
LIABILITY.—No person 
shall be liable under this subsection for the con-
tent of that information or for the omission of 
any information within the report provided by 
the consumer reporting agency. 
‘‘(4) NO COST TO CONSUMER.—The informa-
tion required to be disclosed under this subsection 
shall be provided without charge to the consumer.’’. 
Æ 
VerDate Nov 24 2008 
05:02 May 14, 2009
Jkt 079200
PO 00000
Frm 00005
Fmt 6652
Sfmt 6301
E:\BILLS\H2374.IH
H2374
wwoods2 on PRODPC68 with BILLS