IB 
Union Calendar No. 335 
116TH CONGRESS 
2D SESSION 
H. R. 5332 
[Report No. 116–416] 
To amend the Fair Credit Reporting Act to ensure that consumer reporting 
agencies are providing fair and accurate information reporting in con-
sumer reports, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 6, 2019 
Mr. GOTTHEIMER (for himself and Mr. REED) introduced the following bill; 
which was referred to the Committee on Financial Services 
MARCH 12, 2020 
Reported with an amendment; committed to the Committee of the Whole 
House on the State of the Union and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
[For text of introduced bill, see copy of bill as introduced on December 6, 2019] 
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A BILL 
To amend the Fair Credit Reporting Act to ensure that 
consumer reporting agencies are providing fair and accu-
rate information reporting in consumer reports, and for 
other purposes. 
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Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the ‘‘Pro-
tecting Your Credit Score Act of 2019’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
Sec. 2. Establishment of online consumer portal landing page for consumer access 
to certain credit information. 
Sec. 3. Accuracy in consumer reports. 
Sec. 4. Improved dispute process for consumer reporting agencies. 
Sec. 5. Injunctive relief. 
Sec. 6. Increased transparency. 
Sec. 7. Consumer reporting agency registry. 
Sec. 8. Authority of Bureau with respect to consumer reporting agencies. 
Sec. 9. Bureau standards for protecting nonpublic information. 
Sec. 10. Report on data security risk assessments in examinations of consumer 
reporting agencies. 
Sec. 11. GAO study on the use of social security numbers. 
SEC. 2. ESTABLISHMENT OF ONLINE CONSUMER PORTAL 
LANDING PAGE FOR CONSUMER ACCESS TO 
CERTAIN CREDIT INFORMATION. 
(a) IN GENERAL.—Section 612(a)(1) of the Fair Cred-
it Reporting Act (15 U.S.C. 1681j(a)(1)) is amended by 
adding at the end the following: 
‘‘(D) ONLINE CONSUMER PORTAL LANDING 
PAGE.— 
‘‘(i) IN GENERAL.—Not later than 1 
year after the date of enactment of this sub-
paragraph, each consumer reporting agency 
described in section 603(p) shall jointly de-
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velop an online consumer portal landing 
page that gives each consumer unlimited 
free access to— 
‘‘(I) the consumer report of the 
consumer; 
‘‘(II) the means by which the con-
sumer may exercise the rights of the 
consumer under subparagraph (E) and 
section 604(e); 
‘‘(III) the ability to initiate a dis-
pute with the consumer reporting agen-
cy regarding the accuracy or complete-
ness of any information in a report in 
accordance with section 611(a) or 
623(a)(8); 
‘‘(IV) the ability to place and re-
move a security freeze on a consumer 
report for free under section 605A(i) 
and (j); 
‘‘(V) if the consumer reporting 
agency offers a product to consumers to 
prevent access to the consumer report 
of the consumer for the purpose of pre-
venting identity theft, a disclosure to 
the consumer regarding the differences 
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between that product and a security 
freeze as defined under section 605A(i) 
or (j); 
‘‘(VI) information on who has 
accessed the consumer report of the 
consumer over the last 24 months, and, 
as available, for what permissible pur-
pose the consumer report was furnished 
in accordance with section 604 and 
section 609; and 
‘‘(VII) the credit score of the con-
sumer in accordance with section 
609(f)(7). 
‘‘(ii) NO WAIVER.—A consumer report-
ing agency described in section 603(p) may 
not require a consumer to waive any legal 
or privacy rights to access— 
‘‘(I) a portal established under 
this subparagraph; or 
‘‘(II) any of the services described 
in clause (i) that are provided through 
a portal established under this sub-
paragraph. 
‘‘(iii) NO ADVERTISING OR SOLICITA-
TIONS.—A portal established under this sub-
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paragraph may not contain any adver-
tising, marketing offers, or other solicita-
tions. 
‘‘(iv) EXTENSION.—The Bureau may 
allow the consumer reporting agencies an 
extension of 1 year to develop the online 
consumer portal landing page required 
under clause (i). 
‘‘(v) RULE OF CONSTRUCTION.—Noth-
ing in this subparagraph may be construed 
as requiring a consumer reporting agency 
to disclose confidential proprietary informa-
tion through the online consumer portal 
landing page. 
‘‘(E) OPT-OUT OPTION.— 
‘‘(i) IN GENERAL.—If a consumer re-
porting agency sells consumer information 
in a manner that is not included in a con-
sumer report, the consumer reporting agen-
cy shall provide each consumer with a 
method (through a website, by phone, or in 
writing) by which the consumer may elect, 
free of charge, to not have the information 
of the consumer so sold. 
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‘‘(ii) NO
EXPIRATION.—An election 
made by a consumer under clause (i) shall 
expire on the date on which the consumer 
expressly revokes the election through a 
website, by phone, or in writing.’’. 
(b) CONFORMING AMENDMENT.—Section 612(f)(1) of 
the Fair Credit Reporting Act (15 U.S.C. 1681j(f)(1)) is 
amended, in the matter preceding subparagraph (A), by 
adding ‘‘or that is made through the online consumer portal 
landing page established under subsection (a)(1)(D),’’ after 
‘‘subsections (a) through (d),’’. 
SEC. 3. ACCURACY IN CONSUMER REPORTS. 
Section 607(b) of the Fair Credit Reporting Act (15 
U.S.C. 1681e) is amended to read as follows: 
‘‘(b) ENSURING ACCURACY.— 
‘‘(1) IN GENERAL.—In preparing a consumer re-
port, each consumer reporting agency shall follow rea-
sonable procedures to assure maximum possible accu-
racy of the information concerning the consumer to 
whom the report relates. 
‘‘(2) MATCHING INFORMATION IN A FILE.—In as-
suring the maximum possible accuracy under para-
graph (1), each consumer reporting agency described 
in section 603(p) shall ensure that, when including 
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information in the file of a consumer, the consumer 
reporting agency— 
‘‘(A) matches all 9 digits of the social secu-
rity number of the consumer with the informa-
tion that the consumer reporting agency is in-
cluding in the file; or 
‘‘(B) if a consumer does not have a social 
security number, matches information that in-
cludes the full legal name, date of birth, current 
address, and at least one former address of the 
consumer. 
‘‘(3) PERIODIC AUDITS.—Each consumer report-
ing agency shall perform periodic audits, on a sched-
ule determined by the Bureau, on a representative 
sample of consumer reports of the agency to check for 
accuracy.’’. 
SEC. 4. IMPROVED DISPUTE PROCESS FOR CONSUMER RE-
PORTING AGENCIES. 
(a) RESPONSIBILITIES OF FURNISHERS OF INFORMA-
TION TO CONSUMER REPORTING AGENCIES.—Section 623 
of the Fair Credit Reporting Act (15 U.S.C. 1681s–2) is 
amended— 
(1) in subsection (a)(8)— 
(A) in subparagraph (E)(ii), by inserting 
‘‘and consider’’ after ‘‘review’’; and 
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(B) in subparagraph (F)— 
(i) in clause (i)(II), by inserting ‘‘, 
and does not include any new or additional 
information that would be relevant to a re-
investigation’’ before the period at the end; 
and 
(ii) by adding at the end the following 
new clause: 
‘‘(iv) NEW OR ADDITIONAL INFORMA-
TION.—For purposes of clause (i)(II), the 
term ‘new or additional information’— 
‘‘(I) means information of a type 
designated by the Bureau; and 
‘‘(II) does not include information 
previously provided to the person.’’; 
and 
(2) in subsection (b)(1), by inserting ‘‘and con-
sider’’ after ‘‘review’’. 
(b) BUREAU CREDIT REPORTING OMBUDSPERSON.— 
Section 611(a) of the Fair Credit Reporting Act (15 U.S.C. 
1681i(a)) is amended by adding at the end the following: 
‘‘(8) 
BUREAU
CREDIT
REPORTING 
OMBUDSPERSON.— 
‘‘(A) IN
GENERAL.—Not later than 180 
days after the date of enactment of this para-
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graph, the Bureau shall establish the position of 
credit reporting ombudsperson, whose specific 
duties shall include carrying out the Bureau’s 
responsibilities with respect to— 
‘‘(i) resolving persistent errors that are 
not resolved in a timely manner by a con-
sumer reporting agency; and 
‘‘(ii) enhancing oversight of consumer 
reporting agencies by— 
‘‘(I) advising the Director of the 
Bureau, in consultation with the Office 
of Enforcement and the Office of Su-
pervision of the Bureau, on any poten-
tial violations of paragraph (5) or any 
other applicable law by a consumer re-
porting agency, including appropriate 
corrective action for such a violation; 
and 
‘‘(II) making referrals to the Of-
fice of Supervision for supervisory ac-
tion or the Office of Enforcement for 
enforcement action, as appropriate, in 
response to violations of paragraph (5) 
or any other applicable law by a con-
sumer reporting agency. 
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‘‘(B) REPORT.—The ombudsperson shall 
submit to the Committee on Financial Services 
of the House of Representatives and the Com-
mittee on Banking, Housing, and Urban Affairs 
of the Senate an annual report including statis-
tics and analysis on consumer complaints the 
Bureau receives relating to consumer reports, as 
well as a summary of the supervisory actions 
and enforcement actions taken with respect to 
consumer reporting agencies during the year cov-
ered by the report.’’. 
(c) RESPONSIBILITIES
OF
CONSUMER
REPORTING 
AGENCIES.—Section 611 of the Fair Credit Reporting Act 
(15 U.S.C. 1681i) is amended— 
(1) in subsection (a)— 
(A) in paragraph (1), by adding at the end 
the following: 
‘‘(D) OBLIGATIONS OF CONSUMER REPORT-
ING
AGENCIES
RELATING
TO
REINVESTIGA-
TIONS.—Commensurate with the volume and 
complexity of disputes about which a consumer 
reporting agency receives notice, or reasonably 
anticipates to receive notice, under this para-
graph, each consumer reporting agency shall— 
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‘‘(i) maintain sufficient personnel to 
conduct reinvestigations of those disputes; 
and 
‘‘(ii) provide training with respect to 
the personnel described in clause (i).’’; 
(B) in paragraph (6)(B)— 
(i) by amending clause (ii) to read as 
follows: 
‘‘(ii) a copy of the consumer’s file and 
a consumer report that is based upon such 
file as revised, including a description of 
the specific modification or deletion of in-
formation, as a result of the reinvestiga-
tion;’’; 
(ii) by striking clause (iii) and redes-
ignating clauses (iv) and (v) as clauses (vi) 
and (vii), respectively; 
(iii) by inserting after clause (ii) the 
following: 
‘‘(iii) a description of the actions taken 
by the consumer reporting agency regarding 
the dispute; 
‘‘(iv) if applicable, contact information 
for any furnisher involved in responding to 
the dispute and a description of the role 
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played by the furnisher in the reinvestiga-
tion process; 
‘‘(v) the options available to the con-
sumer if the consumer is dissatisfied with 
the result of the reinvestigation, including— 
‘‘(I) submitting documents in sup-
port of the dispute; 
‘‘(II) adding a consumer state-
ment of dispute to the file of the con-
sumer pursuant to subsection (b); 
‘‘(III) filing a dispute with the 
furnisher 
pursuant 
to 
section 
623(a)(8); and 
‘‘(IV) submitting a complaint 
against the consumer reporting agency 
or furnishers through the consumer 
complaint database of the Bureau or 
the State attorney general for the State 
in which the consumer resides;’’; 
(C) by striking paragraph (7) and redesig-
nating paragraph (8) as paragraph (7); and 
(D) in paragraph (7), as so redesignated, by 
striking ‘‘paragraphs (2), (6), and (7)’’ and in-
serting ‘‘paragraphs (2) and (6)’’; and 
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(2) by adding at the end the following new sub-
section: 
‘‘(h) NOTIFICATION OF DELETION OF INFORMATION.— 
A consumer reporting agency described in section 603(p) 
shall communicate with other consumer reporting agencies 
described in section 603(p) to ensure that a dispute initi-
ated with one consumer reporting agency is noted in a file 
maintained by such other consumer reporting agencies.’’. 
SEC. 5. INJUNCTIVE RELIEF. 
(a) IN GENERAL.—The Fair Credit Reporting Act (15 
U.S.C. 1681 et seq.) is amended— 
(1) in section 616 (15 U.S.C. 1681n)— 
(A) in subsection (a), by amending the sub-
section heading to read as follows: ‘‘DAMAGES’’; 
(B) by redesignating subsections (c) and (d) 
as subsections (d) and (e), respectively; and 
(C) by inserting after subsection (b) the fol-
lowing: 
‘‘(c) INJUNCTIVE RELIEF.— 
‘‘(1) IN
GENERAL.—In addition to any other 
remedy under this section, a court may award in-
junctive relief to require compliance with the require-
ments imposed under this title with respect to any 
consumer. 
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‘‘(2) ATTORNEY’S FEES.—In the event of any 
successful action for injunctive relief under this sub-
section, a court may award to the prevailing party 
reasonable attorney’s fees (as determined by the court) 
incurred by the prevailing party during the action.’’; 
and 
(2) in section 617 (15 U.S.C. 1681o)— 
(A) in subsection (a), in the subsection 
heading, by striking ‘‘(a) IN GENERAL.—’’ and 
inserting ‘‘(a) DAMAGES.—’’; 
(B) by redesignating subsection (b) as sub-
section (c); and 
(C) by inserting after subsection (a) the fol-
lowing: 
‘‘(b) INJUNCTIVE RELIEF.— 
‘‘(1) IN
GENERAL.—In addition to any other 
remedy under this section, a court may award in-
junctive relief to require compliance with the require-
ments imposed under this title with respect to any 
consumer. 
‘‘(2) ATTORNEY’S FEES.—In the event of any 
successful action for injunctive relief under this sub-
section, a court may award to the prevailing party 
reasonable attorney’s fees (as determined by the court) 
incurred by the prevailing party during the action.’’. 
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(b) ENFORCEMENT.—Section 615(h)(8) of the Fair 
Credit Reporting Act (15 U.S.C. 1681m(h)(8)) is amend-
ed— 
(1) in subparagraph (A), by striking ‘‘section’’ 
and inserting ‘‘subsection’’; and 
(2) in subparagraph (B), by striking ‘‘This sec-
tion’’ and inserting ‘‘This subsection’’. 
SEC. 6. INCREASED TRANSPARENCY. 
(a) DISCLOSURES TO CONSUMERS.—Section 609 of the 
Fair Credit Reporting Act (15 U.S.C. 1681g) is amended— 
(1) in subsection (a)(3)(B)— 
(A) in clause (i), by striking ‘‘and’’ at the 
end; and 
(B) by striking clause (ii) and inserting the 
following: 
‘‘(ii) the address and telephone number of 
the person; and 
‘‘(iii) the permissible purpose, as available, 
of the person for obtaining the consumer report, 
including the specific type of credit product that 
is extended, reviewed, or collected, as described in 
section 604(a)(3)(A).’’; 
(2) in subsection (f)— 
(A) by amending paragraph (7)(A) to read 
as follows: 
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‘‘(A) supply the consumer with a credit 
score through the portal established under section 
612(a)(1)(D) or upon request by the consumer, 
as applicable, that— 
‘‘(i) is derived from a credit scoring 
model that is widely distributed to users by 
that consumer reporting agency for the pur-
pose of any extension of credit or other 
transaction designated by the consumer who 
is requesting the credit score; or 
‘‘(ii) is widely distributed to lenders of 
common consumer loan products and pre-
dicts the future credit behavior of the con-
sumer; and’’; and 
(B) in paragraph (8), by inserting ‘‘, except 
that a credit score shall be provided free of 
charge to the consumer if requested in connection 
with a free annual consumer report described in 
section 612(a) or through the online consumer 
portal landing page established under section 
612(a)(1)(D)’’ before the period at the end; and 
(3) in subsection (g)(1)— 
(A) in subparagraph (A)(ii)— 
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(i) in the clause heading, by striking 
‘‘SUBPARAGRAPH (D)’’ and inserting ‘‘SUB-
PARAGRAPH (C)’’; and 
(ii) by striking ‘‘subparagraph (D)’’ 
and inserting ‘‘subparagraph (C)’’; 
(B) in subparagraph (B)(ii), by striking 
‘‘consistent with subparagraph (C)’’; 
(C) by striking subparagraph (C); and 
(D) by redesignating subparagraphs (D) 
through (G) as subparagraphs (C) through (F), 
respectively. 
(b) NOTIFICATION REQUIREMENTS.— 
(1) ADVERSE INFORMATION NOTIFICATION.— 
(A) IN GENERAL.—The Fair Credit Report-
ing Act (15 U.S.C. 1681 et seq.) is amended— 
(i) in section 612 (15 U.S.C. 1681j), by 
striking subsection (b) and inserting the fol-
lowing: 
‘‘(b) FREE DISCLOSURE AFTER NOTICE OF ADVERSE 
ACTION OR OFFER OF CREDIT ON MATERIALLY LESS FA-
VORABLE TERM.—Not later than 30 days after the date on 
which a consumer reporting agency receives a notification 
under subsection (a)(2) or (h)(6) of section 615, or from 
a debt collection agency affiliated with the consumer report-
ing agency, the consumer reporting agency shall make to 
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a consumer, without charge to the consumer, all disclosures 
that are made to a user of a consumer report in accordance 
with the rules prescribed by the Bureau.’’; and 
(ii) in section 615(a) (15 U.S.C. 
1681m(a))— 
(I) by redesignating paragraphs 
(2), (3), and (4) as paragraphs (3), 
(4), and (5), respectively; 
(II) by inserting after paragraph 
(1) the following: 
‘‘(2) direct the consumer reporting agency that 
provided the consumer report that was used in the de-
cision to take the adverse action to provide the con-
sumer with the disclosures described in section 
612(b);’’; and 
(III) in paragraph (5), as so re-
designated— 
(aa) in the matter preceding 
subparagraph (A), by striking ‘‘of 
the consumer’s right’’; 
(bb) by striking subpara-
graph (A) and inserting the fol-
lowing: 
‘‘(A) that the consumer shall receive a copy 
of the consumer report with respect to the con-
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sumer, free of charge, from the consumer report-
ing agency that furnished the consumer report; 
and’’; and 
(cc) in subparagraph (B), by 
inserting ‘‘of the right of the con-
sumer’’ before ‘‘to dispute’’. 
(B) 
CONFORMING
AMENDMENT.—Section 
604(b)(2)(B)(i) of the Fair Credit Reporting Act 
(15 U.S.C. 1681b(b)(2)(B)(i)) is amended by 
striking ‘‘section 615(a)(3)’’ and inserting ‘‘sec-
tion 615(a)(4)’’. 
(2) NOTIFICATION IN CASES OF LESS FAVORABLE 
TERMS.—Section 615(h) of the Fair Credit Reporting 
Act (15 U.S.C. 1681m(h)) is amended— 
(A) in paragraph (1), by striking ‘‘para-
graph (6)’’ and inserting ‘‘paragraph (7)’’; 
(B) in paragraph (2), by striking ‘‘para-
graph (6)’’ and inserting ‘‘paragraph (7)’’; 
(C) in paragraph (5)(C), by striking ‘‘may 
obtain’’ and inserting ‘‘shall receive’’; 
(D) by redesignating paragraphs (6), (7), 
and (8) as paragraphs (7), (8), and (9), respec-
tively; and 
(E) by inserting after paragraph (5) the fol-
lowing: 
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‘‘(6) REPORTS
PROVIDED
TO
CONSUMERS.—A 
person who uses a consumer report as described in 
paragraph (1) shall notify and direct the consumer 
reporting agency that provided the consumer report to 
provide the consumer with the disclosures described in 
section 612(b).’’. 
(3) NOTIFICATION OF SUBSEQUENT SUBMISSIONS 
OF
NEGATIVE
INFORMATION.—Section 
623(a)(7)(A)(ii) of the Fair Credit Reporting Act (15 
U.S.C. 1681s–2(a)(7)(A)(ii)) is amended by striking 
‘‘with respect to’’ and all that follows through the pe-
riod at the end and inserting ‘‘without providing ad-
ditional notice to the consumer, unless another person 
acquires the right to repayment connected to the addi-
tional negative information. The acquiring person 
shall be subject to the requirements of this paragraph 
and shall be required to send consumers the written 
notices described in this paragraph, if applicable.’’. 
SEC. 7. CONSUMER REPORTING AGENCY REGISTRY. 
Section 621 of the Fair Credit Reporting Act (15 
U.S.C. 1681s) is amended by adding at the end the fol-
lowing: 
‘‘(h) CONSUMER REPORTING AGENCY REGISTRY.— 
‘‘(1) ESTABLISHMENT OF REGISTRY.—Not later 
than 180 days after the date of enactment of this sub-
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section, the Bureau shall establish a publicly available 
registry of consumer reporting agencies that in-
cludes— 
‘‘(A) each consumer reporting agency that 
compiles and maintains files on consumers on a 
nationwide basis; 
‘‘(B) each nationwide specialty consumer 
reporting agency; 
‘‘(C) all other consumer reporting agencies 
that are not included under section 603(p) or 
603(x); and 
‘‘(D) links to any relevant websites of a con-
sumer reporting agency described under subpara-
graphs (A) through (C). 
‘‘(2) REGISTRATION
REQUIREMENT.—The Bu-
reau shall establish a deadline, which shall be not 
later than 270 days after the date of the enactment 
of this subsection, by which each consumer reporting 
agency described in paragraph (1) shall be required 
to register in the registry established under such 
paragraph.’’. 
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SEC. 8. AUTHORITY OF BUREAU WITH RESPECT TO CON-
SUMER REPORTING AGENCIES. 
Section 1024(a)(1) of the Dodd-Frank Wall Street Re-
form and Consumer Protection Act (12 U.S.C. 5514(a)(1)) 
is amended— 
(1) in subparagraph (D), by striking ‘‘or’’ at the 
end; 
(2) in subparagraph (E), by striking the period 
at the end and inserting ‘‘; or’’; and 
(3) by adding at the end the following new sub-
paragraph: 
‘‘(F) is a consumer reporting agency de-
scribed under section 603(p) of the Fair Credit 
Reporting Act.’’. 
SEC. 9. BUREAU STANDARDS FOR PROTECTING NONPUBLIC 
INFORMATION. 
Title V of the Gramm-Leach-Bliley Act (15 U.S.C. 
6801 et seq.) is amended— 
(1) in section 501, by adding at the end the fol-
lowing new subsection: 
‘‘(c) CONSUMER REPORTING AGENCY SAFEGUARDS.— 
The Bureau of Consumer Financial Protection shall estab-
lish, by rule, appropriate standards for consumer reporting 
agencies described under section 603(p) of the Fair Credit 
Reporting Act relating to administrative, technical, and 
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physical safeguards to protect records and information as 
described in paragraphs (1) through (3) of subsection (b).’’; 
(2) in section 504(a)(1)(A), by striking ‘‘, except 
that the Bureau of Consumer Financial Protection 
shall not have authority to prescribe regulations with 
respect to the standards under section 501’’; and 
(3) in section 505(a)(8), by inserting ‘‘, other 
than under subsection (c) of section 501’’ after ‘‘sec-
tion 501’’. 
SEC. 10. REPORT ON DATA SECURITY RISK ASSESSMENTS 
IN EXAMINATIONS OF CONSUMER REPORT-
ING AGENCIES. 
Not later than 90 days after the date of the enactment 
of this Act, the Director of the Bureau of Consumer Finan-
cial Protection shall assess whether examinations conducted 
by the Director of consumer reporting agencies described 
under section 603(f) of the Fair Credit Reporting Act (15 
U.S.C. 1681a(f)) include sufficient processes to addresses 
any data security risks to the consumers of such agencies 
on which such agencies maintain and compile files. Along 
with the first semiannual report required under section 
1016(b) of the Consumer Financial Protection Act of 2010 
(12 U.S.C. 5496(b)) to be submitted after the 90-day period 
after the date of the enactment of this Act, the Director shall 
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submit to Congress a report containing the results of such 
assessment that includes— 
(1) recommendations for improving the processes 
to addresses any such data security risks; and 
(2) the progress of the Director on making any 
improvements described under paragraph (1). 
SEC. 11. GAO STUDY ON THE USE OF SOCIAL SECURITY 
NUMBERS. 
(a) STUDY.—The Comptroller General of the United 
States shall carry out a study on the feasibility and means 
of consumer reporting agencies replacing the use of social 
security numbers as identifiers with another type of Federal 
identification. 
(b) REPORT.—Not later than the end of the 2-year pe-
riod beginning on the date of the enactment of this Act, 
the Comptroller General shall issue a report to the Congress 
containing all findings and determinations made in car-
rying out the study required under subsection (a). 
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Union Calendar No. 335 
116TH CONGRESS 
2D SESSION 
H. R. 5332 
[Report No. 116–416] 
A BILL 
To amend the Fair Credit Reporting Act to ensure 
that consumer reporting agencies are providing 
fair and accurate information reporting in con-
sumer reports, and for other purposes. 
MARCH 12, 2020 
Reported with an amendment; committed to the Com-
mittee of the Whole House on the State of the Union 
and ordered to be printed 
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