tionwide CRAs, parents can only obtain a freeze 
after a child has become an ID theft victim be-
cause, it is only at this point, that these CRAs 
have an existing credit file for the child. While 
many States have enacted laws to address this 
problem, there is no existing Federal law. 
(D) According to Javelin Strategy & 
Research’s 2015 Identity Fraud study, $16 bil-
lion was stolen by fraudsters from 12.7 million 
American consumers in 2014. Similarly, the 
United States Department of Justice found an 
estimated 7 percent of all residents age 16 or 
older (about 17.6 million persons) in this coun-
try were victims of one or more incidents of ID 
theft in 2014, and the number of elderly victims 
age 65 or older (about 86 percent) increased 
from 2.1 million in 2012 to 2.6 million in 2014. 
(E) Consumers frequently express concern 
about the security of their financial informa-
tion. According to a 2015 MasterCard survey, 
a majority of consumers (77 percent) have anx-
iety about the possibility that their financial in-
formation and Social Security numbers may be 
stolen or compromised, with about 55 percent 
of consumers indicating that they would rather 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00025
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
have naked pictures of themselves leaked online 
than have their financial information stolen. 
(F) That survey also revealed that con-
sumers’ fears about the online security of their 
financial information even outweighed con-
sumers’ worries about other physical security 
dangers such as having their houses robbed (59 
percent) or being pickpocketed (46 percent). 
(G) According to Consumer Reports, 
roughly 50 million American consumers spent 
about $3.5 billion in 2010 to purchase products 
aimed at protecting their identity, with the an-
nual cost of these services ranging from $120 
to $300. As risks to consumers’ personal and fi-
nancial information continue to grow, con-
sumers need additional protections to ensure 
that they have fair and reasonable access to the 
full suite of ID theft and fraud prevention 
measures that may be right for them. 
SEC. 3. EFFECTIVE DATE. 
Except as otherwise specified, the amendments made 
by this Act shall take effect 2 years after the date of the 
enactment of this Act. 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00026
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
SEC. 4. GENERAL BUREAU RULEMAKING. 
Except as otherwise provided, not later than the end 
of the 2-year period beginning on the date of the enact-
ment of this Act, the Bureau of Consumer Financial Pro-
tection shall issue final rules to implement the amend-
ments made by this Act. 
TITLE I—RESTORING THE IM-
PAIRED CREDIT OF VICTIMS 
OF PREDATORY ACTIVITIES 
AND UNFAIR CONSUMER RE-
PORTING PRACTICES 
SEC. 101. SHORTENS THE TIME PERIOD THAT MOST AD-
VERSE CREDIT INFORMATION STAYS ON CON-
SUMER REPORTS. 
(a) IN GENERAL.—Section 605 of the Fair Credit 
Reporting Act (15 U.S.C. 1681c) is amended— 
(1) in subsection (a)— 
(A) by striking ‘‘Except as authorized 
under subsection (b), no’’ and inserting ‘‘No’’; 
(B) in paragraph (1), by striking ‘‘10 
years’’ and inserting ‘‘7 years’’; 
(C) in paragraph (2), by striking ‘‘Civil 
suits, civil judgments, and records’’ and insert-
ing ‘‘Records’’; 
(D) in paragraph (3), by striking ‘‘seven 
years’’ and inserting ‘‘4 years’’; 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00027
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
(E) in paragraph (4), by striking ‘‘seven 
years’’ and inserting ‘‘4 years, except as pro-
vided in paragraph (8), (10), (11), (12), or 
(13), or as required by section 605C, 605D, 
605E, or 605F’’; 
(F) in paragraph (5)— 
(i) by striking ‘‘, other than records of 
convictions of crimes’’; and 
(ii) by striking ‘‘seven years’’ and in-
serting ‘‘4 years, except as required by sec-
tion 605C, 605D, 605E, or 605F’’; and 
(G) by adding at the end the following new 
paragraphs: 
‘‘(9) Civil suits and civil judgments (except as 
provided in paragraph (8)) that, from date of entry, 
antedate the report by more than 4 years or until 
the governing statute of limitations has expired, 
whichever is the longer period. 
‘‘(10) A civil suit or civil judgment— 
‘‘(A) brought by a private education loan 
holder that, from the date of successful comple-
tion of credit restoration or rehabilitation in ac-
cordance with the requirements of section 605D 
or 605E, antedates the report by 45 calendar 
days; or 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00028
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
‘‘(B) brought by a lender with respect to 
a covered residential mortgage loan that ante-
dates the report by 45 calendar days. 
‘‘(11) Records of convictions of crimes which 
antedate the report by more than 7 years. 
‘‘(12) Any other adverse item of information re-
lating to the collection of debt that did not arise 
from a contract or an agreement to pay by a con-
sumer, including fines, tickets, and other assess-
ments, as determined by the Bureau, excluding tax 
liability.’’; 
(2) by striking subsection (b) and redesignating 
subsections (c) through (h) as subsections (b) 
through (g), respectively; and 
(3) in subsection (b) (as so redesignated), by 
striking ‘‘7-year period referred to in paragraphs (4) 
and (6)’’ and inserting ‘‘4-year period referred to in 
paragraphs (4) and (5)’’. 
(b) CONFORMING AMENDMENTS.—The Fair Credit 
Reporting Act (15 U.S.C. 1681) is amended— 
(1) in section 616(d), by striking ‘‘section 
605(g)’’ each place that term appears and inserting 
‘‘section 605(f)’’; and 
(2) in section 625(b)(5)(A), by striking ‘‘section 
605(g)’’ and inserting ‘‘section 605(f)’’. 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00029
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
SEC. 102. MANDATES THE EXPEDITED REMOVAL OF FULLY 
PAID OR SETTLED DEBT FROM CONSUMER 
REPORTS. 
Section 605(a) of the Fair Credit Reporting Act (15 
U.S.C. 1681c(a)), as amended by section 101(a)(1), is fur-
ther amended by adding at the end the following new para-
graph: 
‘‘(13) Any other adverse item of information re-
lated to a fully paid or settled debt that had been 
characterized as delinquent, charged off, or in collec-
tion which, from the date of payment or settlement, 
antedates the report by more than 45 calendar 
days.’’. 
SEC. 103. IMPOSES RESTRICTIONS ON THE APPEARANCE 
OF MEDICAL COLLECTIONS ON CONSUMER 
REPORTS AND REQUIRES THE EXPEDITED 
REMOVAL OF FULLY PAID OR SETTLED MED-
ICAL COLLECTIONS FROM CONSUMER RE-
PORTS. 
(a) REMOVAL OF FULLY PAID OR SETTLED MED-
ICAL DEBT FROM CONSUMER REPORTS.—Section 605(a) 
of the Fair Credit Reporting Act (15 U.S.C. 1681c(a)), 
as amended by section 102, is further amended by adding 
at the end the following new paragraph: 
‘‘(14) Any other adverse item of information re-
lated to a fully paid or settled debt arising from the 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00030
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
receipt of medical services, products, or devices that 
had been characterized as delinquent, charged off, or 
in collection which, from the date of payment or set-
tlement, antedates the report by more than 45 cal-
endar days.’’. 
(b) ESTABLISHING AN EXTENDED TIME PERIOD BE-
FORE CERTAIN MEDICAL DEBT INFORMATION MAY BE 
REPORTED.—Section 605(a) of such Act is further 
amended by adding at the end the following new para-
graph: 
‘‘(15) Any information related to a debt arising 
from the receipt of medical services, products, or de-
vices, if the date on which such debt was placed for 
collection, charged to profit or loss, or subjected to 
any similar action antedates the report by less than 
365 calendar days.’’. 
(c) PROHIBITION ON REPORTING MEDICALLY NEC-
ESSARY PROCEDURES.—Section 605(a) of such Act is fur-
ther amended by adding at the end the following new para-
graph: 
‘‘(16) Any information related to a debt arising 
from a medically necessary procedure.’’. 
(d) TECHNICAL AMENDMENT.—Section 604(g)(1)(C) 
of 
the 
Fair 
Credit 
Reporting 
Act 
(15 
U.S.C. 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00031
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
1681b(g)(1)(C)) is further amended by striking ‘‘devises’’ 
and inserting ‘‘devices’’. 
SEC. 104. PROVIDES CREDIT RESTORATION FOR VICTIMS 
OF PREDATORY MORTGAGE LENDING AND 
SERVICING. 
(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: 
‘‘§ 605C. Credit restoration for victims of predatory 
mortgage lending 
‘‘(a) IN GENERAL.—A consumer reporting agency 
may not furnish any consumer report containing any ad-
verse item of information relating to a covered residential 
mortgage loan (including the origination and servicing of 
such a loan, any loss mitigation activities related to such 
a loan, and any foreclosure, deed in lieu of foreclosure, 
or short sale related to such a loan), if the action or inac-
tion to which the item of information relates— 
‘‘(1) resulted from an unfair, deceptive, or abu-
sive act or practice, or a fraudulent, discriminatory, 
or illegal activity of a financial institution, as deter-
mined by the Bureau or a court of competent juris-
diction; or 
‘‘(2) is related to an unfair, deceptive, or abu-
sive act, practice, or a fraudulent, discriminatory, or 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00032
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
illegal activity of a financial institution that is the 
subject of a settlement agreement initiated on behalf 
of a consumer or consumers and that is between the 
financial institution and an agency or department of 
a local, State, or Federal Government, regardless of 
whether such settlement includes an admission of 
wrongdoing. 
‘‘(b) COVERED RESIDENTIAL MORTGAGE LOAN DE-
FINED.—In this section, the term ‘covered residential 
mortgage loan’ means any loan primarily for personal, 
family, or household use that is secured by a mortgage, 
deed of trust, or other equivalent consensual security in-
terest on a dwelling (as defined in section 103(w) of the 
Truth in Lending Act), including a loan in which the pro-
ceeds will be used for— 
‘‘(1) a manufactured home (as defined in sec-
tion 603 of the Housing and Community Develop-
ment Act of 1974 (42 U.S.C. 5402)); 
‘‘(2) any installment sales contract, land con-
tract, or contract for deed on a residential property; 
or 
‘‘(3) a reverse mortgage transaction (as defined 
in section 103 of the Truth in Lending Act).’’. 
(b) TABLE OF CONTENTS AMENDMENT.—The table 
of contents of the Fair Credit Reporting Act is amended 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00033
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
by inserting after the item relating to section 605B the 
following new item: 
‘‘605C. Credit restoration for victims of predatory mortgage lending.’’. 
(c) EFFECTIVE DATE.—The amendments made by 
this section shall take effect at the end of the 18-month 
period beginning on the date of the enactment of this Act. 
SEC. 105. PROVIDES CREDIT RELIEF FOR PRIVATE EDU-
CATION LOANS BORROWERS WHO WERE DE-
FRAUDED OR MISLEAD BY PROPRIETARY 
EDUCATION INSTITUTION OR CAREER EDU-
CATION PROGRAMS. 
(a) IN GENERAL.—The Fair Credit Reporting Act 
(15 U.S.C. 1681 et seq.), as amended by section 104, is 
further amended by inserting after section 605C the fol-
lowing new section: 
‘‘§ 605D. Private education loan credit restoration for 
defrauded student borrowers who attend 
certain proprietary educational institu-
tion or career education programs 
‘‘(a) PROCESS FOR CERTIFICATION AS A QUALIFYING 
PRIVATE EDUCATION LOAN BORROWER.— 
‘‘(1) IN GENERAL.—A consumer may submit a 
request to the Bureau, along with a defraudment 
claim, to be certified as a qualifying private edu-
cation loan borrower with respect to a private edu-
cation loan. 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00034
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
‘‘(2) CERTIFICATION.—The Bureau shall certify 
a consumer described in paragraph (1) as a quali-
fying private education loan borrower with respect to 
a private education loan if the Bureau or a court of 
competent jurisdiction determines that the consumer 
has a valid defraudment claim with respect to such 
loan. 
‘‘(b) REMOVAL OF ADVERSE INFORMATION.—Upon 
receipt of a notice described in subsection (d)(5), a con-
sumer reporting agency shall remove any adverse informa-
tion relating to any private education loan with respect 
to which a consumer is a qualifying private education loan 
borrower from any consumer report within 45 calendar 
days of receipt of such notification. 
‘‘(c) DISCLOSURE.—The Bureau shall disclose the re-
sults of a certification determination in writing to the con-
sumer that provides a clear and concise explanation of the 
basis for the determination of whether such consumer is 
a qualifying private education loan borrower with respect 
to a private education loan and, as applicable, an expla-
nation of the consumer’s right to have adverse information 
relating to such loan removed from their consumer report 
by a consumer reporting agency. 
‘‘(d) PROCEDURES.—The Bureau shall— 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00035
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
‘‘(1) establish procedures for a consumer to 
submit a request described in subsection (a); 
‘‘(2) establish procedures to efficiently review, 
accept, and process such a request; 
‘‘(3) develop ongoing outreach initiatives and 
education programs to inform consumers of the cir-
cumstances under which such consumer may be eli-
gible to be certified as a qualifying private education 
loan borrower with respect to a private education 
loan; 
‘‘(4) establish procedures, including the man-
ner, form, and content of the notice informing a pri-
vate educational loan holder of the prohibition on re-
porting any adverse information relating to a private 
education loan with respect to which a consumer is 
a qualifying private education loan borrower; and 
‘‘(5) establish procedures, including the man-
ner, form, and content of the notice informing a con-
sumer reporting agency of the obligation to remove 
any adverse information as described in subsection 
(c). 
‘‘(e) STANDARDIZED REPORTING CODES.—A con-
sumer reporting agency shall develop standardized report-
ing codes for use by private education loan holders to iden-
tify and report a qualifying private education loan bor-
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00036
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
headquartered or maintains or maintained 
significant operations; or 
‘‘(ii) under Federal law; 
‘‘(B) is the subject of an enforcement 
order, a settlement agreement, a memorandum 
of understanding, a suspension of tuition assist-
ance, or any other action relating to an unfair, 
deceptive, or abusive act or practice that is be-
tween the proprietary educational institution or 
career education program and an agency or de-
partment of a local, State, or Federal Govern-
ment; or 
‘‘(C) misrepresented facts to students or 
accrediting agencies or associations about grad-
uation or gainful employment rates in recog-
nized occupations or failed to provide the 
coursework necessary for students to success-
fully obtain a professional certification or de-
gree from the proprietary educational institu-
tion or career education program; or 
‘‘(2) the consumer has submitted a valid de-
fense to repayment claim with respect to such loan, 
as determined by the Secretary of Education.’’. 
(b) TABLE OF CONTENTS AMENDMENT.—The table 
of contents of the Fair Credit Reporting Act is amended 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00038
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
by inserting after the item relating to section 605C (as 
added by section 104) the following new item: 
‘‘605D. Private education loan credit restoration for defrauded student bor-
rowers who attend certain proprietary educational institution 
or career education programs.’’. 
SEC. 106. ESTABLISHES RIGHT FOR VICTIMS OF FINANCIAL 
ABUSE TO HAVE ADVERSE INFORMATION AS-
SOCIATED WITH AN ABUSER’S FRAUDULENT 
ACTIVITY REMOVED FROM THEIR CONSUMER 
REPORTS. 
(a) IN GENERAL.—The Fair Credit Reporting Act 
(15 U.S.C. 1681 et seq.), as amended by section 105, is 
further amended by inserting after section 605D the fol-
lowing new section: 
‘‘§ 605E. Financial abuse prevention 
‘‘For a consumer who is the victim of intentionally 
abusive or harmful financial behavior, including severe 
forms of trafficking in persons or sex trafficking, as such 
terms are defined in the Trafficking Victims Protection 
Act of 2000, as determined by a court of competent juris-
diction including a family court, juvenile court, or other 
court with personal jurisdiction, that was conducted by a 
spouse, family or household member, caregiver, or person 
with whom such consumer had a dating relationship in 
a manner which resulted in the inclusion of an adverse 
item of information on the consumer report of the con-
sumer, and the consumer did not participate in or consent 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00039
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
to such behavior, the consumer may apply to a court of 
competent jurisdiction, including a family court, juvenile 
court, or other court with personal jurisdiction, for an 
order to require the removal of such adverse information 
from the consumer’s file maintained by any consumer re-
porting agency.’’. 
(b) TABLE OF CONTENTS AMENDMENT.—The table 
of contents of the Fair Credit Reporting Act is amended 
by inserting after the item relating to section 605D the 
following new item: 
‘‘605E. Financial abuse prevention.’’. 
SEC. 107. PROHIBITS TREATMENT OF CREDIT RESTORA-
TION OR REHABILITATION AS ADVERSE IN-
FORMATION. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended— 
(1) by adding at the end the following new sec-
tion: 
‘‘§ 630. Prohibition of certain factors related to Fed-
eral credit restoration or rehabilitation 
‘‘(a) RESTRICTION ON CREDIT SCORING MODELS.— 
A credit scoring model may not— 
‘‘(1) take into consideration, in a manner ad-
verse to a consumer’s credit score or educational 
credit score, any information in a consumer report 
concerning the consumer’s participation in credit 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00040
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
restoration or rehabilitation under section 605C, 
605D, or 605E; or 
‘‘(2) treat negatively, in a manner adverse to a 
consumer’s credit score or educational credit score, 
the absence of payment history data for an existing 
account, whether the account is open or closed, 
where the absence of such information is the result 
of a consumer’s participation in credit restoration or 
rehabilitation under section 605C, 605D, or 605E. 
‘‘(b) RESTRICTION ON PERSONS OBTAINING CON-
SUMER REPORTS.—A person who obtains a consumer re-
port may not— 
‘‘(1) take into consideration, in a manner ad-
verse to a consumer, any information in a consumer 
report concerning the consumer’s participation in 
credit restoration or rehabilitation under section 
605C, 605D, or 605E; or 
‘‘(2) treat negatively the absence of payment 
history data for an existing account, whether the ac-
count is open or closed, where the absence of such 
information is the result of a consumer’s participa-
tion in credit restoration or rehabilitation under sec-
tion 605C, 605D, or 605E. 
‘‘(c) ACCURACY AND COMPLETENESS.—If a person 
who furnishes information to a consumer reporting agency 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00041
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
requests the removal of information from a consumer re-
port or a consumer reporting agency removes information 
from a consumer report in compliance with the require-
ments under section 605C, 605D, or 605E, or such infor-
mation was removed pursuant at section 605(a)(11), such 
report shall be deemed to satisfy the requirements for ac-
curacy and completeness with respect to such information. 
‘‘(d) PROHIBITION RELATED TO ADVERSE ACTIONS 
AND RISK-BASED PRICING DECISIONS.—No person shall 
use information related to a consumer’s participation in 
credit restoration or rehabilitation under section 605C, 
605D, or 605E in connection with any determination of— 
‘‘(1) the consumer’s eligibility or continued eli-
gibility for an extension of credit; 
‘‘(2) the terms and conditions offered to a con-
sumer regarding an extension of credit; or 
‘‘(3) an adverse action made for employment 
purposes.’’; and 
(2) in the table of contents for such Act, by 
adding at the end the following new item: 
‘‘630. Prohibition of certain factors related to Federal credit restoration or reha-
bilitation.’’. 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00042
Fmt 6652
Sfmt 6211
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
TITLE 
II—EXPANDING 
ACCESS 
TO TOOLS TO PROTECT VUL-
NERABLE CONSUMERS FROM 
IDENTITY THEFT, FRAUD, OR 
A RELATED CRIME, AND PRO-
TECT 
VICTIMS 
FROM 
FUR-
THER HARM 
SEC. 201. IDENTITY THEFT REPORT DEFINITION. 
Paragraph (4) of section 603(q) of the Fair Credit 
Reporting Act (15 U.S.C. 1681a(q)(4)) is amended to 
read as follows: 
‘‘(4) IDENTITY
THEFT
REPORT.—The term 
‘identity theft report’ has the meaning given that 
term by rule of the Bureau, and means, at a min-
imum, a report— 
‘‘(A) that is a standardized affidavit that 
alleges that a consumer has been a victim of 
identity theft, fraud, or a related crime, or has 
been harmed by the unauthorized disclosure of 
the consumer’s financial or personally identifi-
able information, that was developed and made 
available by the Bureau; or 
‘‘(B)(i) that alleges an identity theft, 
fraud, or a related crime, or alleges harm from 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00043
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
the unauthorized disclosure of the consumer’s 
financial or personally identifiable information; 
‘‘(ii) that is a copy of an official, valid re-
port filed by a consumer with an appropriate 
Federal, State, or local law enforcement agency, 
including the United States Postal Inspection 
Service, or such other government agency 
deemed appropriate by the Bureau; and 
‘‘(iii) the filing of which subjects the per-
son filing the report to criminal penalties relat-
ing to the filing of false information if, in fact, 
the information in the report is false.’’. 
SEC. 202. AMENDMENT TO PROTECTION FOR FILES AND 
CREDIT 
RECORDS 
OF 
PROTECTED 
CON-
SUMERS. 
(a) AMENDMENT TO DEFINITION OF ‘‘FILE’’.—Sec-
tion 603(g) of the Fair Credit Reporting Act (15 U.S.C. 
1681a(g)) is amended by inserting ‘‘, except that such 
term excludes a record created pursuant to section 
605A(j)’’ after ‘‘stored’’. 
(b) AMENDMENT TO PROTECTION FOR FILES AND 
CREDIT RECORDS.—Section 605A(j) of the Fair Credit 
Reporting Act (15 U.S.C. 1681c–1(j)) is amended— 
(1) in paragraph (1)— 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00044
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
(A) in subparagraph (B)(ii), by striking 
‘‘an incapacitated person or a protected person’’ 
and inserting ‘‘a person’’; and 
(B) by amending subparagraph (E) to read 
as follows: 
‘‘(E) The term ‘security freeze’— 
‘‘(i) has the meaning given in sub-
section (i)(1)(C); and 
‘‘(ii) with respect to a protected con-
sumer for whom the consumer reporting 
agency does not have a file, means a 
record that is subject to a security freeze 
that a consumer reporting agency is pro-
hibited from disclosing to any person re-
questing the consumer report for the pur-
pose of opening a new account involving 
the extension of credit.’’; and 
(2) in paragraph (4)(D), by striking ‘‘a pro-
tected consumer or a protected consumer’s rep-
resentative under subparagraph (A)(i)’’ and insert-
ing ‘‘a protected consumer described under subpara-
graph (A)(ii) or a protected consumer’s representa-
tive’’. 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00045
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
SEC. 203. ENHANCES FRAUD ALERT PROTECTIONS. 
Section 605A of the Fair Credit Reporting Act (15 
U.S.C. 1681c–1) is amended— 
(1) in subsection (a)— 
(A) in the subsection heading, by striking 
‘‘ONE-CALL’’ and inserting ‘‘ONE-YEAR’’; 
(B) in paragraph (1)— 
(i) in the paragraph heading, by strik-
ing ‘‘INITIAL ALERTS’’ and inserting ‘‘IN 
GENERAL’’; 
(ii) by inserting ‘‘or harmed by the 
unauthorized disclosure of the consumer’s 
financial or personally identifiable informa-
tion,’’ after ‘‘identity theft,’’; 
(iii) in subparagraph (A), by striking 
‘‘and’’ at the end; 
(iv) in subparagraph (B)— 
(I) by inserting ‘‘1-year’’ before 
‘‘fraud alert’’; and 
(II) by striking the period at the 
end and inserting ‘‘; and’’; and 
(v) by adding at the end the following 
new subparagraph: 
‘‘(C) upon the expiration of the 1-year pe-
riod described in subparagraph (A) or a subse-
quent 1-year period, and in response to a direct 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00046
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
request by the consumer or such representative, 
continue the fraud alert for a period of 1 addi-
tional year if the information asserted in this 
paragraph remains applicable.’’; and 
(C) in paragraph (2)— 
(i) in the paragraph heading, by in-
serting ‘‘AND
CREDIT
OR
EDUCATIONAL 
CREDIT SCORES’’ after ‘‘REPORTS’’; 
(ii) by inserting ‘‘1-year’’ before 
‘‘fraud alert’’; 
(iii) in subparagraph (A), by inserting 
‘‘and credit score or educational credit 
score’’ after ‘‘file’’; and 
(iv) in subparagraph (B), by striking 
‘‘any request described in subparagraph 
(A)’’ and inserting ‘‘the consumer report-
ing agency includes the 1-year fraud alert 
in the file of a consumer’’; 
(2) in subsection (b)— 
(A) in the subsection heading, by striking 
‘‘EXTENDED’’ and inserting ‘‘SEVEN-YEAR’’; 
(B) in paragraph (1)— 
(i) in subparagraph (B)— 
(I) by striking ‘‘5-year period be-
ginning on the date of such request’’ 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00047
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
and inserting ‘‘such 7-year period’’; 
and 
(II) by striking ‘‘and’’ at the end; 
(ii) in subparagraph (C)— 
(I) by striking ‘‘extended’’ and 
inserting ‘‘7-year’’; and 
(II) by striking the period at the 
end and inserting ‘‘; and’’; and 
(iii) by adding at the end the fol-
lowing new subparagraph: 
‘‘(D) upon the expiration of such 7-year 
period or a subsequent 7-year period, and in re-
sponse to a direct request by the consumer or 
such representative, continue the fraud alert for 
a period of 7 additional years if the consumer 
or such representative submits an updated iden-
tity theft report.’’; and 
(C) in paragraph (2)— 
(i) in the paragraph heading, by in-
serting ‘‘AND
CREDIT
OR
EDUCATIONAL 
CREDIT SCORES’’ after ‘‘REPORTS’’; and 
(ii) by amending subparagraph (A) to 
read as follows: 
‘‘(A) disclose to the consumer that the con-
sumer may request a free copy of the file and 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00048
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
credit score or educational credit score of the 
consumer pursuant to section 612(d) during 
each 12-month period beginning on the date on 
which the 7-year fraud alert was included in the 
file and ending on the date of the last day that 
the 7-year fraud alert applies to the consumer’s 
file; and’’; 
(3) in subsection (c)— 
(A) in paragraph (1), by inserting ‘‘or edu-
cational credit score’’ after ‘‘credit score’’; 
(B) by redesignating paragraphs (1), (2), 
and (3), as subparagraphs (A), (B), and (C), 
respectively (and conforming the margins ac-
cordingly); 
(C) by striking ‘‘Upon the direct request’’ 
and inserting: 
‘‘(1) IN GENERAL.—Upon the direct request’’; 
and 
(D) by adding at the end the following new 
paragraph: 
‘‘(2) ACCESS TO FREE REPORTS AND CREDIT 
OR EDUCATIONAL CREDIT SCORES.—If a consumer 
reporting agency includes an active duty alert in the 
file of an active duty military consumer, the con-
sumer reporting agency shall— 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00049
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS
‘‘(A) disclose to the active duty military 
consumer that the active duty military con-
sumer may request a free copy of the file and 
credit score or educational credit score of the 
active duty military consumer pursuant to sec-
tion 612(d), during each 12-month period be-
ginning on the date that the activity duty mili-
tary alert is requested and ending on the date 
of the last day the active duty alert applies to 
the file of the active duty military consumer; 
and 
‘‘(B) provide to the active duty military 
consumer all disclosures required to be made 
under section 609, without charge to the con-
sumer, not later than 3 business days after any 
request described in subparagraph (A).’’; 
(4) by amending subsection (d) to read as fol-
lows: 
‘‘(d) PROCEDURES.—Each consumer reporting agen-
cy described in section 603(p) shall include on the 
webpage required under subsection (i) policies and proce-
dures to comply with this section, including policies and 
procedures— 
VerDate Sep 11 2014 
21:57 Jul 26, 2021
Jkt 019200
PO 00000
Frm 00050
Fmt 6652
Sfmt 6201
E:\BILLS\H4115.IH
H4115
pbinns on DSKJLVW7X2PROD with BILLS