I 
113TH CONGRESS 
1ST SESSION H. R. 2538 
To amend the Fair Credit Reporting Act to clarify Federal law with respect 
to reporting positive consumer credit information to consumer reporting 
agencies by public utility or telecommunications companies, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JUNE 27, 2013 
Mr. FITZPATRICK (for himself, Mr. ELLISON, Mr. HINOJOSA, Mr. CAPUANO, 
Mr. AL GREEN of Texas, Mr. JONES, Mr. RENACCI, and Mr. DUFFY) in-
troduced the following bill; which was referred to the Committee on Fi-
nancial Services 
A BILL 
To amend the Fair Credit Reporting Act to clarify Federal 
law with respect to reporting positive consumer credit 
information to consumer reporting agencies by public 
utility or telecommunications companies, 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 ‘‘The Credit Access and 
Inclusion Act’’. 
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SEC. 2. POSITIVE CREDIT REPORTING PERMITTED. 
(a) IN GENERAL.—Section 623 of the Fair Credit 
Reporting Act (15 U.S.C. 1681s–2) is amended by adding 
at the end the following new subsection: 
‘‘(f) FULL-FILE CREDIT REPORTING.— 
‘‘(1) RULE
OF
CONSTRUCTION.—Nothing in 
this Act, or any regulation or rule established pursu-
ant to this Act, shall be construed as to prohibit a 
person from furnishing the following information re-
lating to a consumer to a consumer reporting agen-
cy: 
‘‘(A) IDENTIFYING INFORMATION.—A con-
sumer’s full name, telephone number, mother’s 
maiden name, address, zip code, date of birth, 
any generational designation, social security 
number, or any other similar consumer identi-
fiers or combination thereof. 
‘‘(B) TRANSACTIONS OR EXPERIENCES.— 
Information solely as to transactions or experi-
ences between the consumer and the person fur-
nishing the information. 
‘‘(C) 
PUBLIC
INFORMATION.—Public 
record information. 
‘‘(D) PERFORMANCE OF CONSUMER.—The 
performance of a consumer making payments 
under a real property lease or pursuant to a 
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contract for a utility or telecommunication serv-
ice. 
‘‘(2) LIMITATIONS.—Information about a con-
sumer’s usage of any public utility service may be 
furnished to a consumer reporting agency only to 
the extent that such information relates to payment 
by the consumer for the services of such public util-
ity or other terms of the provision of services to the 
consumer, including any deposit, discount, or the 
conditions for interruption or termination of the 
services. 
‘‘(3) UTILITY OR TELECOMMUNICATION SERV-
ICE.—For purposes of this subsection, the term 
‘utility or telecommunication service’ means an enti-
ty that provides utility services to the public through 
pipe, wire, landline, wireless, cable, or other con-
nected facilities, or radio, electronic, or similar 
transmission (including the extension of such facili-
ties).’’. 
Æ 
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