I 
113TH CONGRESS 
2D SESSION 
H. R. 5843 
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 
DECEMBER 10, 2014 
Mr. LANGEVIN (for himself, Ms. CLARK of Massachusetts, and Ms. SHEA- 
PORTER) introduced the following bill; which was referred to the Com-
mittee 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. PROTECTIONS FOR CREDIT REPORTS OF MI-
NORS. 
(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: 
VerDate Sep 11 2014 
04:37 Dec 19, 2014
Jkt 049200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H5843.IH
H5843
SSpencer on DSK4SPTVN1PROD with BILLS
‘‘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. 
VerDate Sep 11 2014 
04:37 Dec 19, 2014
Jkt 049200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H5843.IH
H5843
SSpencer on DSK4SPTVN1PROD with BILLS
‘‘(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 
VerDate Sep 11 2014 
04:37 Dec 19, 2014
Jkt 049200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H5843.IH
H5843
SSpencer on DSK4SPTVN1PROD with BILLS