ranges a loan to predict the likelihood of certain 
credit behaviors, including default. 
‘‘(B) RISK SCORE.—The term ‘risk score’ 
means a numerical value or a categorization de-
rived from a statistical tool or modeling system 
based upon information from a consumer report 
for the purpose of predicting the likelihood of 
certain behaviors or outcomes, and includes 
scores used for the underwriting of insurance.’’; 
(C) by striking paragraph (6) and insert-
ing the following: 
‘‘(6) MAINTENANCE OF CREDIT SCORES.—All 
consumer reporting agencies shall maintain in the 
consumer’s file credit scores or any other risk scores 
or predictors relating to the consumer for a period 
of no less than 1 year from the date on which such 
information is generated.’’; 
(D) by striking paragraph (7); and 
(E) in paragraph (8), by inserting before 
the period at the end the following: ‘‘, except 
that a consumer reporting agency described in 
section 603(p) shall provide a credit score with-
out charge to the consumer if the consumer is 
requesting the score in connection with a free 
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annual disclosure made pursuant to section 
612(a)’’. 
(b) INCLUSION IN FREE REPORTS.—Section 612 of 
the Fair Credit Reporting Act (15 U.S.C. 1681j) is 
amended— 
(1) in subsection (a)(1)(A), by striking ‘‘(w)’’ 
and inserting ‘‘(x)’’; and 
(2) in subsection (g)— 
(A) in paragraph (1)— 
(i) by striking ‘‘free credit report’’ 
and inserting ‘‘free or low cost credit re-
port or credit score’’; and 
(ii) by inserting ‘‘and free credit 
scores’’ after ‘‘free credit reports’’; and 
(B) in paragraph (2)— 
(i) by striking ‘‘televison’’ and insert-
ing ‘‘television’’; and 
(ii) by inserting ‘‘or free credit score, 
as applicable,’’ after ‘‘free credit report’’. 
(c) TECHNICAL CORRECTIONS.—The Fair Credit Re-
porting Act (15 U.S.C. 1681a et seq.) is amended— 
(1) 
in 
section 
603(d)(2)(D) 
(15 
U.S.C. 
1681a(d)(2)(D)), by striking ‘‘subsection (o) or (x)’’ 
and inserting with ‘‘subsection (o) or (y)’’; 
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(2) 
in 
section 
603(i)(1)(C) 
(15 
U.S.C. 
1681a(i)(1)(C)), by striking the period at the end 
and inserting ‘‘; and’’; 
(3) 
in 
section 
609(c)(1) 
(15 
U.S.C. 
1681g(c)(1))— 
(A) in the paragraph heading, by striking 
‘‘COMMISSION’’ and inserting ‘‘BUREAU’’; 
(B) in subparagraph (A), by striking 
‘‘Commission’’ and inserting ‘‘Bureau’’; 
(C) in subparagraph (B)(vi), by striking 
‘‘section 
603(w)’’ 
and 
inserting 
‘‘section 
603(x)’’; and 
(D) in subparagraph (C), by striking 
‘‘Commission’’ and inserting ‘‘Bureau’’; and 
(4) 
in 
section 
612(a)(1) 
(15 
U.S.C. 
1681j(a)(1))— 
(A) in subparagraph (A), by striking ‘‘sub-
sections (p) and (w)’’ and inserting ‘‘sub-
sections (p) and (x)’’; 
(B) in subparagraph (C)(i)— 
(i) by striking ‘‘Commission’’ and in-
serting ‘‘Bureau’’; and 
(ii) by striking ‘‘section 603(w)’’ and 
inserting ‘‘section 603(x)’’; 
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(C) in subparagraph (C)(iii), by striking 
‘‘Commission’’ and inserting ‘‘Bureau’’; and 
(D) in subparagraph (C)(iv), by striking 
‘‘section 
603(w)’’ 
and 
inserting 
‘‘section 
603(x)’’. 
SEC. 3. RULEMAKING. 
Not later than 180 days after the date of enactment 
of this Act, the Bureau of Consumer Financial Protection 
shall develop regulations establishing a mandatory disclo-
sure format for consumer file disclosures pursuant to sec-
tion 612(a)(1)(B) of the Fair Credit Reporting Act (15 
U.S.C. 1681j(a)(1)(B)). 
SEC. 4. TECHNICAL CORRECTION. 
Section 615(h)(8)(A) of the Fair Credit Reporting 
Act (15 U.S.C. 1681m(h)(8)(A)) is amended by striking 
‘‘this section’’ and inserting ‘‘this subsection’’. 
Æ 
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