I 
117TH CONGRESS 
1ST SESSION H. R. 6067 
To direct the Bureau of Consumer Financial Protection to issue model forms 
and model language for certain Fair Credit Reporting Act requirements, 
and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
NOVEMBER 23, 2021 
Ms. DEAN (for herself and Mr. HOLLINGSWORTH) introduced the following 
bill; which was referred to the Committee on Financial Services 
A BILL 
To direct the Bureau of Consumer Financial Protection to 
issue model forms and model language for certain Fair 
Credit Reporting Act requirements, and for other pur-
poses. 
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 ‘‘Clarity in Consumer 
Disclosures Act of 2021’’. 
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SEC. 2. MODEL FORMS AND MODEL LANGUAGE FOR CER-
TAIN FAIR CREDIT REPORTING ACT RE-
QUIREMENTS. 
(a) MODEL FORMS AND MODEL LANGUAGE.— 
(1) IN GENERAL.—The Fair Credit Reporting 
Act (15 U.S.C. 1601 et seq.) is amended by adding 
after section 604 the following new section: 
‘‘§ 604A. Model forms and model language 
‘‘(a) IN GENERAL.—Not later than one year after the 
date of the enactment of this section, the Director of the 
Bureau shall develop and issue— 
‘‘(1) model language for a certification that 
may be used by a person to comply with section 
604(b)(1)(A); 
‘‘(2) model forms of disclosure, authorization, 
notice, and consent that may be used by a consumer 
or other person to comply with section 604(b)(2); 
‘‘(3) a model consent form and model language 
for inclusion in any forms that may be used by a 
consumer to provide the consent required under sec-
tion 604(g)(1)(B)(ii); 
‘‘(4) a model form and model language for in-
clusion in any forms that may be used to provide a 
consumer with the disclosure and statement required 
under section 606(a)(1); 
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‘‘(5) model language for a certification that 
may be used by a person to comply with section 
606(a)(2); and 
‘‘(6) model language of certification that may 
be used by a person seeking to procure a consumer 
report under section 604(f)(2) or 607(a). 
‘‘(b) FORMAT.—The Director— 
‘‘(1) shall ensure that the model forms and 
model language described in subsection (a) are in 
plain language comprehensible to an average reader 
and do not include citations to law; 
‘‘(2) to the extent practicable, shall develop a 
single, integrated model form for use to comply with 
the requirements of section 604, 606, or 607; 
‘‘(3) shall ensure that such model forms and 
model language are comprehensible and can be eas-
ily adapted based on specific consumer reports; and 
‘‘(4) with respect to model language for a cer-
tification described in paragraph (1) or (6) of sub-
section (a), shall allow the user of a consumer report 
to include such model language in other documents 
to prospectively certify to a consumer reporting 
agency user compliance with the requirements of 
section 604(b)(1)(A) or 606(a)(2), as applicable. 
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‘‘(c) RULEMAKING.—In developing the model forms 
under subsection (a), the Director shall publish a notice 
in the Federal Register seeking written comments from 
the public. 
‘‘(d) SAFE HARBOR.—Any person or consumer re-
porting agency that elects to provide a model form devel-
oped under subsection (a) that accurately reflects the 
practices of such person or such agency shall be deemed 
to be in compliance with the requirements to which the 
model form corresponds. 
‘‘(e) SPECIFIC COMPONENTS.—In developing the 
model forms under subsection (a), the Director— 
‘‘(1) shall review State laws regulating con-
sumer reports; 
‘‘(2) shall develop such model forms to satisfy 
any requirements imposed by State law that are sub-
stantially similar to those described in subsection 
(a); 
‘‘(3) with respect any disclosures that applica-
ble law requires to consist solely of the disclosure, 
may deem that such model form satisfies such dis-
closure; and 
‘‘(4) with respect to a model form that includes 
a disclosure described in paragraph (3), may require 
that such model form consist solely of the disclosure 
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along with any other information the Director deter-
mines necessary to properly complete the form.’’. 
(2) CLERICAL AMENDMENT.—The table of sec-
tions for Fair Credit Reporting Act is amended by 
adding after the item relating to section 604 the fol-
lowing new item: 
‘‘604A. Model forms and model language.’’. 
(b) REPORT
TO
CONGRESS.—Not later than 6 
months after the issuance of model forms and model lan-
guage under section 604A of the Fair Credit Reporting 
Act (as added by subsection (a) of this section), the Direc-
tor of the Bureau of Consumer Financial Protection shall 
submit to Congress a report that includes— 
(1) the methodology used by the Director to 
create such model forms and model language; and 
(2) an analysis of the use of such model forms 
and model language. 
Æ 
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