I 
114TH CONGRESS 
2D SESSION 
H. R. 5010 
To amend the Fair Credit Reporting Act to require the inclusion of credit 
scores with free annual credit reports provided to consumers, and for 
other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 20, 2016 
Mr. COHEN (for himself, Ms. NORTON, Mr. GRIJALVA, Ms. TSONGAS, Mr. 
CONYERS, and Mr. VISCLOSKY) introduced the following bill; which was 
referred to the Committee on Financial Services 
A BILL 
To amend the Fair Credit Reporting Act to require the 
inclusion of credit scores with free annual credit reports 
provided to consumers, 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. SHORT TITLE. 
This Act may be cited as the ‘‘Fair Access to Credit 
Scores Act of 2016’’. 
SEC. 2. CREDIT SCORES INCLUDED IN FREE ANNUAL DIS-
CLOSURES. 
(a) IN GENERAL.—Section 609 of the Fair Credit 
Reporting Act (15 U.S.C. 1681g) is amended— 
VerDate Sep 11 2014 
22:38 May 02, 2016
Jkt 059200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H5010.IH
H5010
mstockstill on DSK3G9T082PROD with BILLS
(1) in subsection (a)(1)— 
(A) by striking ‘‘and’’ at the end and in-
serting a period; 
(B) by striking ‘‘except that—’’ and all 
that follows through ‘‘(A) if the’’ and inserting 
‘‘except that if the’’; and 
(C) by striking subparagraph (B); 
(2) in subsection (a), by adding at the end the 
following: 
‘‘(7) If the consumer reporting agency is a con-
sumer reporting agency that compiles and maintains 
files on consumers on a nationwide basis as de-
scribed in section 603(p), each such agency shall dis-
close a current credit score generated using the scor-
ing algorithm, formula, model, program, or mecha-
nism that is most frequently used to generate credit 
scores sold to creditors, subject to regulations of the 
Bureau, along with any information in the con-
sumer’s file at the time of the request concerning 
credit scores or any other risk scores or other pre-
dictors relating to the consumer, if such request is 
made in connection with a free annual disclosure 
made pursuant to section 612(a). 
‘‘(8) Such other consumer information as the 
Bureau considers appropriate with respect to con-
VerDate Sep 11 2014 
22:38 May 02, 2016
Jkt 059200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H5010.IH
H5010
mstockstill on DSK3G9T082PROD with BILLS
sumer financial education, including the information 
required by subsection (f)(1), information describing 
the credit score of the consumer with respect to a 
range of possible credit scores, and the general fac-
tors contributing to the credit scores of consumers.’’; 
and 
(3) in subsection (f)— 
(A) in paragraph (1)— 
(i) by striking ‘‘, a consumer report-
ing agency’’ and all that follows through 
‘‘shall include—’’ and inserting ‘‘or a risk 
score, a consumer reporting agency shall 
supply to the consumer—’’; and 
(ii) by amending subparagraph (A) to 
read as follows: 
‘‘(A) any credit score or risk score in the 
file of the consumer at the consumer reporting 
agency;’’; 
(B) in paragraph (2)— 
(i) by redesignating subparagraph (B) 
as subparagraph (C); and 
(ii) by striking subparagraph (A) and 
inserting the following: 
‘‘(A) CREDIT
SCORE.—The term ‘credit 
score’ means a numerical value or a categoriza-
VerDate Sep 11 2014 
22:38 May 02, 2016
Jkt 059200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H5010.IH
H5010
mstockstill on DSK3G9T082PROD with BILLS
tion derived from a statistical tool or modeling 
system used by a person who makes or ar-
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 other predictors relating to the consumer for a 
period of not less than 1 year beginning on the date 
on which such information is generated.’’; 
(D) by striking paragraph (7) and redesig-
nating paragraphs (8) and (9) as paragraphs 
(7) and (8), respectively; and 
(E) in paragraph (7) (as so redesignated), 
by inserting before the period at the end the 
following: ‘‘, except that a consumer reporting 
VerDate Sep 11 2014 
22:38 May 02, 2016
Jkt 059200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6201
E:\BILLS\H5010.IH
H5010
mstockstill on DSK3G9T082PROD with BILLS
(2) in section 604 (15 U.S.C. 1681b)— 
(A) in subsection (b)— 
(i) in paragraph (2)(B)(i), by striking 
‘‘section 615(a)(3)’’ and inserting ‘‘section 
615(a)(4)’’; 
(ii) in paragraph (3)(B)(ii), by strik-
ing ‘‘clause (B)(i)(IV)’’ and inserting 
‘‘clause (i)(IV)’’; 
(iii) in paragraph (4)(A)(ii), by insert-
ing ‘‘and’’ after the semicolon; and 
(iv) by striking ‘‘section 609(c)(3)’’ 
each place that term appears and inserting 
‘‘section 609(c)’’; and 
(B) in subsection (g)(5), by striking 
‘‘PARAGRAPH
(2).—’’ and all that follows 
through ‘‘The Bureau’’ and inserting ‘‘PARA-
GRAPH (2).—The Bureau’’; 
(3) in section 605 (15 U.S.C. 1681c)— 
(A) in subsection (f), by striking ‘‘who’’ 
and inserting ‘‘which’’; and 
(B) in subsection (h)(2)(A)— 
(i) by striking ‘‘shall,,’’ and inserting 
‘‘shall,’’; and 
(ii) by striking ‘‘Commission,,’’ and 
inserting ‘‘Commission,’’; 
VerDate Sep 11 2014 
22:38 May 02, 2016
Jkt 059200
PO 00000
Frm 00006
Fmt 6652
Sfmt 6201
E:\BILLS\H5010.IH
H5010
mstockstill on DSK3G9T082PROD with BILLS
(4) in section 605A(h)(1)(A) (15 U.S.C. 1681c– 
1(h)(1)(A)), by striking ‘‘103(i)’’ and inserting 
‘‘103(j)’’; 
(5) 
in 
section 
607(e)(3)(A) 
(15 
U.S.C. 
1681e(e)(3)(A)), 
by 
striking 
‘‘section 
604(b)(4)(E)(i)’’ 
and 
inserting 
‘‘section 
604(b)(4)(D)(i)’’; 
(6) in section 609 (15 U.S.C. 1681g)— 
(A) in subsection (a)(3)(C)(i), by striking 
‘‘section 604(b)(4)(E)(i)’’ and inserting ‘‘sec-
tion 604(b)(4)(D)(i)’’; 
(B) in subsection (c)(1)— 
(i) in the paragraph heading, by strik-
ing ‘‘COMMISSION’’ and inserting ‘‘BU-
REAU’’; and 
(ii) in subparagraph (B)(vi), by strik-
ing ‘‘603(w)’’ and inserting ‘‘603(x)’’; 
(C) in subsection (e)(2)(B)(ii)(II), by strik-
ing ‘‘an’’; and 
(D) by striking ‘‘The Commission’’ each 
place that term appears and inserting ‘‘The Bu-
reau’’; 
(7) in section 610 (15 U.S.C. 1681h)— 
(A) in subsection (b)(1), by inserting ‘‘sec-
tion’’ after ‘‘under’’; and 
VerDate Sep 11 2014 
22:38 May 02, 2016
Jkt 059200
PO 00000
Frm 00007
Fmt 6652
Sfmt 6201
E:\BILLS\H5010.IH
H5010
mstockstill on DSK3G9T082PROD with BILLS
(B) in subsection (e), by inserting a 
comma after ‘‘on the report’’; 
(8) in section 611 (15 U.S.C. 1681i), by strik-
ing ‘‘The Commission’’ each place that term appears 
and inserting ‘‘The Bureau’’; 
(9) in section 612 (15 U.S.C. 1681j)— 
(A) in subsection (a)(1)— 
(i) in subparagraph (A), by striking 
‘‘(w)’’ and inserting ‘‘(x)’’; and 
(ii) in subparagraph (C), by striking 
‘‘603(w)’’ each place that term appears 
and inserting ‘‘603(x)’’; 
(B) in subsection (g)(2), by striking 
‘‘televison’’ and inserting ‘‘television’’; and 
(C) by striking ‘‘The Commission’’ each 
place that term appears and inserting ‘‘The Bu-
reau’’; and 
(10) in section 621 (15 U.S.C. 1681s)— 
(A) in subsection (a)(1), in the first sen-
tence, by striking ‘‘, subsection (b)’’; 
(B) in subsection (e)(2), by inserting a pe-
riod after ‘‘provisions of this title’’; and 
(C) in subsection (f)(2), by striking ‘‘The 
Commission’’ and inserting ‘‘The Bureau’’. 
Æ 
VerDate Sep 11 2014 
22:38 May 02, 2016
Jkt 059200
PO 00000
Frm 00008
Fmt 6652
Sfmt 6301
E:\BILLS\H5010.IH
H5010
mstockstill on DSK3G9T082PROD with BILLS