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 
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agency described in section 603(p) shall provide 
a credit score without charge to the consumer 
if the consumer is requesting the score in con-
nection with a free annual disclosure made pur-
suant to section 612(a)’’. 
(b) INCLUSION IN FREE REPORTS.—Section 612(g) 
of the Fair Credit Reporting Act (15 U.S.C. 1681j(g)) is 
amended— 
(1) in paragraph (1)— 
(A) by striking ‘‘free credit report’’ and in-
serting ‘‘free or low cost credit report or credit 
score’’; and 
(B) by inserting ‘‘and free credit scores’’ 
after ‘‘free credit reports’’; and 
(2) in paragraph (2), by inserting ‘‘or free cred-
it 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 (15 U.S.C. 1681a)— 
(A) in subsection (d)(2)(D), by striking 
‘‘(x)’’ and inserting ‘‘(y)’’; 
(B) in subsection (q)(5), by striking 
‘‘103(i)’’ and inserting ‘‘103(j)’’; and 
(C) in subsection (v), by striking ‘‘Bureau’’ 
and inserting ‘‘Federal Trade Commission’’; 
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(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,’’; 
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(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 
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(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 
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