I 
116TH CONGRESS 
1ST SESSION H. R. 3618 
To establish requirements relating to credit scores and educational credit 
scores, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 5, 2019 
Mrs. BEATTY introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To establish requirements relating to credit scores and 
educational credit scores, 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 ‘‘Free Credit Scores 
for Consumers Act of 2019’’. 
SEC. 2. FINDINGS. 
Congress finds the following: 
(1) While nationwide consumer reporting agen-
cies (‘‘CRAs’’) are required by law to supply con-
sumers with a free copy of their credit report annu-
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ally, they can charge consumers to obtain a credit 
score disclosure. 
(2) A July 2011 report by the Consumer Fi-
nancial Protection Bureau (‘‘Consumer Bureau’’) ti-
tled ‘‘The Impact of Differences between Consumer- 
and Creditor-Purchased Credit Scores’’ found that 
the credit scores made available to and purchased by 
consumers from CRAs are unlikely to be the same 
credit scores used by creditors and lenders to evalu-
ate consumers’ creditworthiness. 
(3) That report found that the scarcity of pub-
lic educational tools to inform consumers of the dif-
ferences among credit scores, the large combined 
market share and brand recognition of FICO credit 
scores, and the marketing practices of some credit 
score sellers may perpetuate consumers’ confusion 
about credit scores. As a result, some consumers 
may be purchasing an educational credit score or 
subscribing to a credit monitoring service sold by a 
CRA, without realizing the limitations and useful-
ness of these products and services. 
(4) Similarly, a September 2012 Consumer Bu-
reau report titled ‘‘Analysis of Differences between 
Consumer- and Creditor-Purchased Credit Scores’’ 
found that consumers do not know before they pur-
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chase a credit score from a CRA whether this credit 
score will closely track or vary significantly from the 
credit score sold to creditors or lenders. Given the 
lack of transparency about the usefulness of credit 
scores that are marketed for purchase by consumers 
from CRAs and the resulting consumer confusion, 
the Consumer Bureau recommended that companies 
selling scores to consumers clearly inform consumers 
that the scores marketed to consumers for purchase 
by CRAs can vary, sometimes substantially, from 
the scores that are actually sold to and used by 
creditors and lenders. 
(5) A February 2011 study by Consumer Fed-
eration of America and VantageScore also found 
that half of the consumers surveyed did not know 
that a credit score is designed to indicate the risk 
of not repaying a credit obligation. Consumers also 
did not know who makes credit scores available, 
what numerical range constitutes excellent credit 
standing, or the financial implications of having a 
low credit score. 
(6) Many consumers do not realize that they 
have more than just ‘‘one’’ credit score. Because the 
submission of credit information to CRAs is vol-
untary and not all furnishers submit information to 
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every CRA, the information contained in a report 
also varies among CRAs. As a result, the credit 
score generated by each CRA is also likely to vary, 
resulting in potentially different credit decisions 
based on an evaluation of different credit reports ob-
tained from different CRAs. 
(7) A February 2015 Consumer Bureau report 
titled ‘‘Consumer Voices on Credit Reports and 
Scores’’ found that consumers had questions about 
what actions to take to improve their scores once 
they had seen them, suggesting that additional dis-
closures and educational content would be helpful to 
consumers. The Consumer Bureau found that con-
sumers were confused by conflicting advice on how 
to improve their scores. 
(8) That report also noted that consumers 
found the process for obtaining consumer reports 
and credit scores confusing. Consumers also were 
uncertain about whether, and under what cir-
cumstances, they could obtain a consumer report for 
free. 
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SEC. 3. CREDIT SCORE AND EDUCATIONAL CREDIT SCORE 
DEFINITIONS. 
(a) IN GENERAL.—Section 603 of the Fair Credit 
Reporting Act (15 U.S.C. 1681a) is amended by adding 
at the end the following new subsection: 
‘‘(bb) CREDIT SCORE AND EDUCATIONAL CREDIT 
SCORE DEFINITIONS.— 
‘‘(1) CREDIT SCORE.—The term ‘credit score’ 
means a numerical value or a categorization derived 
from a statistical tool or modeling system used by a 
person who makes or arranges a loan or extends 
credit to predict the likelihood of certain credit be-
haviors, including default, as determined by the Bu-
reau. 
‘‘(2) EDUCATIONAL CREDIT SCORE.—The term 
‘educational credit score’ means a numerical value or 
categorization derived from a statistical tool or mod-
eling system based upon information from a con-
sumer report that assists consumers in under-
standing how a lender or creditor may view the con-
sumer’s creditworthiness in deciding whether to 
make a loan or extend credit to that consumer. 
‘‘(3) KEY
FACTORS.—The term ‘key factors’ 
means relevant elements or reasons affecting the 
credit score for the particular individual, listed in 
the order of importance based on the effect of each 
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element or reason on the credit score or educational 
credit score. 
‘‘(4) CREDIT
SCORING
MODEL.—The term 
‘credit scoring model’ means a scoring algorithm, 
formula, model, program, or mechanism used to gen-
erate a credit score or an educational credit score.’’. 
(b) CONFORMING AMENDMENTS.—The Fair Credit 
Reporting Act (15 U.S.C. 1681 et seq.) is amended— 
(1) in section 605(d)(2), by striking ‘‘(as de-
fined in section 609(f)(2)(B))’’; and 
(2) in section 615— 
(A) by striking ‘‘as defined in section 
609(f)(2)(A)’’ each place that term appears; 
and 
(B) in subsection (a)(2)(B), by striking 
‘‘set forth in subparagraphs (B) through (E) of 
section 609(f)(1)’’ and inserting ‘‘with respect 
to a credit score described in section 609(f)(2), 
if available’’ each place that term appears. 
SEC. 4. EXPANDS EXPLANATORY INFORMATION GIVEN TO 
CONSUMERS ABOUT HOW SCORES ARE CAL-
CULATED. 
Section 609(f) of the Fair Credit Reporting Act (15 
U.S.C. 1681g(f)) is amended to read as follows: 
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credit score or educational credit score was 
based. 
‘‘(3) APPLICABILITY TO CERTAIN USES.—This 
subsection shall not be construed so as to compel a 
consumer reporting agency to— 
‘‘(A) develop or disclose a credit score if 
the agency does not distribute credit scores 
used by a person who makes or arranges a loan 
or extends credit to predict the likelihood of 
certain credit behaviors; or 
‘‘(B) develop or disclose an educational 
credit score if the agency does not develop edu-
cational credit scores that assist in under-
standing the general credit behavior of a con-
sumer and predicting the future credit behavior 
of the consumer. 
‘‘(4) MAINTENANCE OF CREDIT SCORES.— 
‘‘(A) IN GENERAL.—All consumer report-
ing agencies shall maintain in the consumer’s 
file credit scores relating to the consumer for a 
period of 2 years from the date on which such 
information is generated. 
‘‘(B) 
DISCLOSURE
ONLY
TO
CON-
SUMERS.—A past credit score maintained in a 
consumer’s file pursuant to subparagraph (A) 
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may only be provided to the consumer to which 
the credit score relates and may not be included 
in a consumer report or used as a factor in gen-
erating a credit score or educational credit 
score. 
‘‘(C) 
REMOVAL
OF
PAST
CREDIT 
SCORES.—A past credit score maintained in a 
consumer’s file pursuant to subparagraph (A) 
shall be removed from the consumer’s file after 
the end of the 2-year period described under 
subparagraph (A).’’. 
SEC. 5. REQUIRES CONSUMER REPORTING AGENCIES TO 
DISCLOSE PROMINENTLY THE DIFFERENCES 
BETWEEN 
AND 
LIMITATIONS 
OF 
CREDIT 
SCORES AND EDUCATIONAL CREDIT SCORES 
REQUIRED PRIOR TO A CONSUMER OBTAIN-
ING SUCH SCORES. 
Section 609(f) of the Fair Credit Reporting Act (15 
U.S.C. 1681g(f)), as amended by section 3, is further 
amended by adding at the end the following new para-
graphs: 
‘‘(5) WEBSITE DISCLAIMER.—A consumer re-
porting agency that generates or provides credit 
scores or educational credit scores shall clearly and 
conspicuously display on the home page of the agen-
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cy’s Internet website, and as part of any application, 
solicitation, or marketing material or media pro-
viding information related to a credit score or edu-
cational credit score, the following notice, in boldface 
type of 18-point font or larger and in a text box 
with boldface outer borders: 
‘‘ ‘CREDIT SCORE DISCLAIMER. 
‘‘ ‘There is no ‘‘one’’ credit score. There are many 
scoring formulas derived from a wide variety of models 
available to a consumer and used by lenders and creditors. 
Different lenders and creditors use different scoring for-
mulas to determine whether to extend credit or make a 
loan to you, and the terms of the credit or loan. An edu-
cational credit score is not a credit score that a person 
who makes a loan or extends credit to you is likely to use. 
Educational credit scores are merely intended to be used 
as an educational tool to help consumers understand how 
the information contained in a consumer report may affect 
the terms and conditions of a loan or extension of credit 
that may be available to a consumer. Lenders and credi-
tors may also rely on information not contained in your 
consumer report and not reflected in the calculation of 
your credit score.’. 
‘‘(6) ADDITIONAL
REQUIREMENTS
FOR
EDU-
CATIONAL CREDIT SCORES.— 
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‘‘(A) 
DISCLAIMER.—If 
an 
educational 
credit score is provided pursuant to paragraph 
(1), a consumer reporting agency shall clearly 
and conspicuously include in a prominent loca-
tion on the statement, in boldface type of 18- 
point font or larger, and in a text box with 
boldface outer borders, the following notice: 
‘‘ ‘EDUCATIONAL CREDIT SCORE DISCLAIMER. 
‘‘ ‘The educational credit score provided to you is not 
a credit score that a lender or creditor is likely to use to 
make a loan or extend credit to you. There are many dif-
ferent credit scores derived from a wide variety of models 
used by lenders and creditors. An educational credit score 
is merely an educational tool. It is intended to provide con-
sumers with a basic understanding of how the information 
contained in a consumer report may affect the terms and 
conditions of credit that are available. The credit scores 
you receive directly from different lenders and creditors 
may not be the same as an educational credit score. There 
are a number of reasons for this: 
‘‘ ‘(1) Each company may use a different for-
mula for calculating credit scores and the differences 
in the formulas may lead to differences in your 
scores. 
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‘‘ ‘(2) Companies may produce scores that give 
results on different scales. 
‘‘ ‘(3) Not all lenders or creditors report to 
every consumer reporting agency, and therefore the 
information contained in your consumer report that 
the consumer reporting agencies use to calculate 
your educational credit score may differ among 
agencies.’. 
‘‘(B) PROHIBITION ON MISLEADING REP-
RESENTATIONS.—A consumer reporting agency 
may not refer to an educational credit score as 
a credit score in any application, solicitation, 
marketing, or other informational materials or 
media. 
‘‘(7) MODIFICATION
OF
DISCLAIMERS.—The 
Bureau may modify the content, format, and man-
ner of the disclaimers required under paragraphs (5) 
and (6), if warranted, after conducting consumer 
testing or research.’’. 
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SEC. 6. PROVIDES CONSUMERS WITH FREE CREDIT SCORE 
DISCLOSURES WITH THEIR FREE ANNUAL 
CONSUMER REPORTS UPON REQUEST AND 
CREATES 
INSTANCES 
WHEN 
CONSUMERS 
AUTOMATICALLY RECEIVE FREE CONSUMER 
REPORTS AND CREDIT SCORES. 
(a) IN GENERAL.—Section 612 of the Fair Credit 
Reporting Act (15 U.S.C. 1681j) is amended— 
(1) in subsection (a)— 
(A) in paragraph (1)— 
(i) in subparagraph (A), by inserting 
after ‘‘section 609’’ the following: ‘‘(includ-
ing the disclosure of a credit score or edu-
cational credit score under subsection (f) 
of such section)’’; and 
(ii) in subparagraph (C)— 
(I) by striking ‘‘Commission’’ 
and inserting ‘‘Bureau’’; and 
(II) by inserting ‘‘, credit scores, 
and educational credit scores (as ap-
plicable)’’ after ‘‘consumer reports’’ 
each place that term appears; 
(B) in paragraph (2)— 
(i) by striking ‘‘15 days’’ and insert-
ing ‘‘3 business days’’; and 
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(ii) by inserting ‘‘, credit score, or 
educational credit score’’ after ‘‘consumer 
report’’; 
(C) in paragraph (3), by inserting ‘‘, credit 
score, or educational credit score’’ after ‘‘con-
sumer report’’; and 
(D) in paragraph (4), by inserting ‘‘, credit 
scores, or educational credit scores’’ after ‘‘con-
sumer reports’’; 
(2) in subsection (b), by inserting ‘‘(including 
the disclosure of a credit score or educational credit 
score, as applicable, under subsection (f) of such sec-
tion)’’ after ‘‘section 609’’; 
(3) in subsection (c)— 
(A) by inserting ‘‘(including the disclosure 
of a credit score or educational credit score 
under subsection (f) of such section)’’ after 
‘‘pursuant to section 609’’; 
(B) in paragraph (2), by striking ‘‘; or’’ 
and inserting a semicolon; 
(C) in paragraph (3), by striking the pe-
riod at the end and inserting a semicolon; and 
(D) by adding at the end the following new 
paragraphs: 
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‘‘(4) has disputed information, or submitted an 
appeal of an investigation or reinvestigation of such 
information, under section 611 or 623, regardless of 
whether the consumer has already received a credit 
report, credit score, or educational credit score 
under section 611 or 623; or 
‘‘(5) has had information that was previously 
deleted under section 611(a)(5) reinserted into the 
consumer’s file, regardless of whether the consumer 
has already received a credit report, credit score, or 
educational credit score under such section.’’; 
(4) in subsection (d), by inserting ‘‘(including 
the disclosure of a credit score or educational credit 
score under subsection (f) of such section)’’ after 
‘‘section 609’’; 
(5) in subsection (f)(1)— 
(A) by striking ‘‘reasonable charge’’ and 
all that follows through ‘‘section 609’’ and in-
serting ‘‘reasonable charge on a consumer for 
providing a consumer report to a consumer’’; 
(B) by striking subparagraph (B); 
(C) by redesignating clauses (i) and (ii) as 
subparagraphs (A) and (B), respectively (and 
conforming the margins accordingly); and 
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(D) in subparagraph (B) (as so redesig-
nated), by striking ‘‘disclosure; and’’ and insert-
ing ‘‘disclosure.’’; and 
(6) by adding at the end the following new sub-
sections: 
‘‘(h) CENTRALIZED SOURCE FOR OBTAINING FREE 
COPY OF CONSUMER REPORT AND SCORES.— 
‘‘(1) 
NATIONWIDE
CONSUMER
REPORTING 
AGENCIES.— 
‘‘(A) IN
GENERAL.—Not later than 180 
days after the date of enactment of this sub-
section, each consumer reporting agency de-
scribed under subsection (p) of section 603 
shall prominently display on the home page of 
the agency’s website— 
‘‘(i) a hyperlink labeled ‘Get Your 
Free Annual Credit Reports along with ei-
ther your Credit Scores or Educational 
Credit Scores provided for under Federal 
Law’ or substantially similar text, as deter-
mined by the Bureau; and 
‘‘(ii) a disclosure titled ‘Consumer’s 
Right to Free Credit Scores, Educational 
Credit Scores, and Reports under Federal 
Law’ or substantially similar text, as deter-
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mined by the Bureau that includes the fol-
lowing statement: 
‘‘ ‘All consumers are entitled to obtain a free copy of 
their consumer report and credit score or educational cred-
it score annually from each of the nationwide consumer 
reporting agencies. Under Federal law, a consumer is enti-
tled to obtain additional free copies of their consumer re-
ports, along with a copy of either the consumer’s credit 
score or educational credit score (under certain cir-
cumstances), including: 
‘‘ ‘(1) When a consumer is unemployed and in-
tends to apply for employment within 60 days. 
‘‘ ‘(2) When a consumer is a recipient of public 
welfare assistance. 
‘‘ ‘(3) When a consumer has a reasonable belief 
that their report contains inaccuracies as a result of 
fraud. 
‘‘ ‘(4) When a consumer asserts in good faith a 
suspicion that the consumer has been or is about to 
become a victim of identity theft, fraud, or a related 
crime, or harmed by the unauthorized disclosure of 
the consumer’s financial or personally identifiable in-
formation. 
‘‘ ‘(5) When a consumer files a dispute or an 
appeal of the results of a dispute with a consumer 
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reporting agency or a person who furnished informa-
tion to the consumer reporting agency regarding the 
accuracy or completeness of the information con-
tained on their report. 
‘‘ ‘(6) After a furnisher of information discovers 
it has furnished inaccurate or incomplete informa-
tion to a consumer reporting agency, and the fur-
nisher notifies the agency of the error. 
‘‘ ‘(7) After an adverse action is taken against 
a consumer or a consumer receives a risk-based pric-
ing notice. 
‘‘ ‘(8) When a mortgage lender, private edu-
cational lender, indirect auto lender, or motor vehicle 
lender obtains and uses a consumer’s reports or 
scores for underwriting purposes.’. 
‘‘(B) HYPERLINK
REQUIREMENTS.—The 
hyperlink described in subparagraph (A)(i) shall 
be prominently located on the top of the home 
page and should link directly to the website of 
the centralized source established pursuant to 
section 211(d) of the Fair and Accurate Credit 
Transactions Act of 2003 (15 U.S.C. 1681j 
note). 
‘‘(C) MODIFICATIONS.—The Bureau may 
modify the disclosure described in subparagraph 
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(A)(ii) as necessary to include other cir-
cumstances under which a consumer has the 
right to receive a free consumer report, credit 
score, or educational credit score. 
‘‘(2) NATIONWIDE SPECIALTY CONSUMER RE-
PORTING AGENCIES.— 
‘‘(A) IN
GENERAL.—Not later than 180 
days after the date of enactment of this sub-
section, each nationwide specialty consumer re-
porting agency shall prominently display on the 
Internet home webpage of the agency a disclo-
sure titled ‘Consumer’s Right to Free Con-
sumer Reports and Credit Score or Educational 
Credit Score (as applicable) under Federal 
Law’. Such disclosure shall include the fol-
lowing statement: 
‘‘ ‘Upon request, all consumers are entitled to obtain 
a free copy of their consumer report and credit score or 
educational credit score (as applicable) during any 12- 
month period from each of the nationwide specialty con-
sumer reporting agencies. Federal law also provides fur-
ther circumstances under which a consumer is entitled to 
obtain additional free copies of their consumer report and 
credit score or educational credit score (as applicable) in-
cluding: 
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‘‘ ‘(1) When a consumer is unemployed and in-
tends to apply for employment within 60 days. 
‘‘ ‘(2) When a consumer is a recipient of public 
welfare assistance. 
‘‘ ‘(3) When a consumer has a reasonable belief 
that their report contains inaccuracies as a result of 
fraud. 
‘‘ ‘(4) When a consumer files a dispute or an 
appeal of the results of a dispute with a consumer 
reporting agency or a person who furnished informa-
tion to the consumer reporting agency regarding the 
accuracy or completeness of the information con-
tained on their report. 
‘‘ ‘(5) After a furnisher of information discovers 
it has furnished inaccurate or incomplete informa-
tion to a consumer reporting agency, and the fur-
nisher notifies the agency of the error. 
‘‘ ‘(6) After an adverse action is taken against 
a consumer or a consumer receives a risk-based pric-
ing notice. 
‘‘ ‘(7) When a mortgage lender, private edu-
cational lender, indirect auto lender, or motor vehicle 
lender obtains and uses a consumer’s reports or 
scores for underwriting purposes.’. 
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‘‘(B) MODIFICATIONS.—The Bureau may 
modify the disclosure described in subparagraph 
(A) as necessary to include other circumstances 
under which a consumer has the right to receive 
a free consumer report and credit score or edu-
cational credit score (as applicable). 
‘‘(C) TOLL-FREE
TELEPHONE
ACCESS.— 
The information described in this paragraph 
shall also be made available via a toll-free tele-
phone number. Such number shall be promi-
nently displayed on the home page of the 
website of each nationwide specialty consumer 
reporting agency. Each of the circumstances 
under which a consumer may obtain a free con-
sumer report and credit score or educational 
credit score (as applicable) shall be presented in 
an easily understandable format and consumers 
shall be directed to an individual who is a cus-
tomer service representative not later than 2 
minutes after the initial phone connection is 
made by the consumer. Information provided 
through such telephone number shall comply 
with the requirements of section 633. 
‘‘(D) ONLINE
CONSUMER
REPORTS; EX-
EMPTION.—Upon receipt of a request by a con-
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sumer for a consumer report, each nationwide 
specialty consumer reporting agency shall pro-
vide access to such report electronically on the 
Internet website described in section 611(h). 
‘‘(i) AUTOMATIC PROVISION OF FREE CONSUMER 
REPORTS AND CREDIT SCORES OR EDUCATIONAL CREDIT 
SCORES.—A consumer reporting agency shall provide to 
a consumer a free copy of the file and credit score or edu-
cational credit score of the consumer who— 
‘‘(1) obtains a fraud alert, extended alert, active 
duty alert, or security freeze as described in section 
605A; or 
‘‘(2) has disputed information, or submitted an 
appeal of an investigation or reinvestigation of such 
information, under section 611 or 623.’’. 
(b) TECHNICAL AMENDMENT.—Section 615(h)(7) of 
such Act (15 U.S.C. 1681m(h)(7)) is amended by striking 
‘‘section’’ and inserting ‘‘subsection’’. 
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SEC. 7. REQUIRES PRIVATE EDUCATIONAL LENDERS TO 
PROVIDE CONSUMERS WITH FREE COPIES OF 
ANY 
CONSUMER 
REPORTS 
AND 
CREDIT 
SCORES 
THAT 
THEY 
USED 
FOR 
UNDER-
WRITING BEFORE CONSUMERS SIGN LOAN 
AGREEMENTS. 
Section 609 of the Fair Credit Reporting Act (15 
U.S.C. 1681g) is amended by adding at the end the fol-
lowing new subsection: 
‘‘(h) DISCLOSURE
OF CONSUMER REPORTS
AND 
CREDIT SCORES BY PRIVATE EDUCATIONAL LENDERS.— 
‘‘(1) IN
GENERAL.—If a private educational 
lender obtains a copy of any consumer reports or 
credit scores and uses such reports or scores in con-
nection with an application of a consumer for a pri-
vate education loan, the private educational lender 
shall provide to the consumer, not later than 3 busi-
ness days after obtaining such reports or scores and 
before the date on which the consumer enters into 
a loan agreement with the private educational lend-
er, a copy of any such reports or scores, along with 
the statement described under subsection (f)(2). 
‘‘(2) COSTS.—None of the costs to the private 
educational lender associated with procuring con-
sumer reports or credit scores under this subsection 
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may be charged, directly or indirectly, to the con-
sumer. 
‘‘(3) RULE
OF
CONSTRUCTION.—Nothing in 
this subsection shall be construed to eliminate any 
requirement for creditors and lenders to provide 
credit score disclosures, including the statement de-
scribed under subsection (f)(2), to consumers as 
part of an adverse action or risk-based pricing no-
tice.’’. 
SEC. 8. REQUIRES MOTOR VEHICLE LENDERS OR INDIRECT 
AUTO LENDERS TO PROVIDE CONSUMERS 
WITH FREE COPIES OF ANY CONSUMER RE-
PORTS AND CREDIT SCORES THAT THEY 
USED FOR UNDERWRITING BEFORE CON-
SUMERS SIGN LEASE OR LOAN AGREEMENTS. 
Section 609 of the Fair Credit Reporting Act (15 
U.S.C. 1681g), as amended by section 6, is further 
amended by adding at the end the following new sub-
section: 
‘‘(i) DISCLOSURE
OF CONSUMER REPORTS
AND 
CREDIT SCORES USED BY MOTOR VEHICLE LENDERS OR 
INDIRECT AUTO LENDERS.— 
‘‘(1) IN GENERAL.—If a motor vehicle lender or 
indirect auto lender obtains a copy of any consumer 
reports or credit scores and uses such reports or 
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scores in connection with an application of a con-
sumer for a motor vehicle loan or lease, the motor 
vehicle lender or indirect auto lender shall provide to 
the consumer a document, separate from the con-
sumer’s lease or purchase agreement and before the 
consumer enters into a lease or purchase agreement, 
disclosing any consumer reports and credit scores, 
including the statement described in subsection 
(f)(2), used by the lender to determine whether to 
extend credit to the consumer. 
‘‘(2) COSTS.—None of the costs to the motor 
vehicle lender or indirect auto lender associated with 
procuring consumer reports or credit scores under 
this subsection may be charged, directly or indi-
rectly, to the consumer. 
‘‘(3) RULE
OF
CONSTRUCTION.—Nothing in 
this subsection shall be construed to eliminate any 
requirement for creditors and lenders to provide 
credit score disclosures, including the statement de-
scribed under subsection (f)(2), to consumers as 
part of an adverse action or risk-based pricing no-
tice. 
‘‘(4) DEFINITIONS.— 
‘‘(A) INDIRECT AUTO LENDER.—The term 
‘indirect auto lender’ has the meaning given the 
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term by the Bureau, and shall include a person 
extending a loan made with respect to a car, 
boat, motorcycle, recreational vehicle, or other 
similar vehicle used primarily for personal or 
household purposes. 
‘‘(B) 
MOTOR
VEHICLE
LENDER.—The 
term ‘motor vehicle lender’ has the meaning 
given the term by the Board of Governors of 
the Federal Reserve System, and shall include 
a person extending a loan made with respect to 
a car, boat, motorcycle, recreational vehicle, or 
other similar vehicle used primarily for personal 
or household purposes.’’. 
SEC. 9. REQUIRES RESIDENTIAL MORTGAGE LENDERS TO 
PROVIDE CONSUMERS WITH FREE COPIES OF 
ANY 
CONSUMER 
REPORTS 
AND 
CREDIT 
SCORES 
THAT 
THEY 
USED 
FOR 
UNDER-
WRITING BEFORE CONSUMERS SIGN LOAN 
AGREEMENTS. 
Section 609(g) of the Fair Credit Reporting Act (15 
U.S.C. 1681g(g)) is amended— 
(1) by redesignating paragraph (2) as para-
graph (5); 
(2) in paragraph (1)— 
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(A) by striking ‘‘a consumer credit score’’ 
and inserting ‘‘any consumer reports or credit 
scores’’; 
(B) by striking ‘‘, as defined in subsection 
(f),’’; 
(C) by striking ‘‘the following to the con-
sumer as soon as reasonably practicable:’’ and 
inserting ‘‘, not later than 3 business days after 
using such reports or scores, a document dis-
closing any consumer reports and credit scores 
used by the lender to determine whether to ex-
tend credit to the consumer along with the 
statement described in subsection (f)(2).’’; 
(D) by striking subparagraphs (A), (B), 
(C), (E), and (F); 
(E) by redesignating subparagraph (D) as 
paragraph (3) (and adjusting the margins ac-
cordingly); and 
(F) by redesignating subparagraph (G) as 
paragraph (4) (and adjusting the margins ac-
cordingly); 
(3) by inserting before paragraph (3) (as so re-
designated) the following new paragraph: 
‘‘(2) RULE
OF
CONSTRUCTION.—Nothing in 
this subsection shall be construed to eliminate any 
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requirement for lenders to provide credit score dis-
closures, including the statement described under 
subsection (f)(2), to consumers as part of an adverse 
action or risk-based pricing notice.’’; 
(4) in paragraph (3) (as so redesignated), in 
the quoted material— 
(A) by inserting ‘‘, free of charge,’’ after 
‘‘disclose to you’’; and 
(B) by striking ‘‘affecting your credit 
scores’’ and inserting ‘‘affecting your credit 
score or scores’’; 
(5) in paragraph (5) (as so redesignated) by in-
serting ‘‘or scores’’ after ‘‘credit score’’ each place 
such term appears; and 
(6) by adding at the end the following new 
paragraphs: 
‘‘(6) ACTIONS NOT REQUIRED.—This subsection 
shall not require any person to disclose any credit 
score or related information obtained by the person 
after a loan has closed. 
‘‘(7) NO PROCUREMENT COSTS.—None of the 
costs to the creditor or lender associated with pro-
curing any consumer reports or scores under this 
subsection may be charged, directly or indirectly, to 
the consumer.’’. 
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SEC. 10. RULEMAKING. 
Not later than the end of the 2-year period beginning 
on the date of the enactment of this Act, the Bureau of 
Consumer Financial Protection shall issue final rules to 
implement the amendments made by this Act. 
Æ 
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