(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’’ 
each place such term appears and in-
serting ‘‘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 
(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’’; 
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(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: 
‘‘(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 
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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 
(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.— 
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‘‘(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-
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 
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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 
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. 
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‘‘ ‘(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 
(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-
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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: 
‘‘ ‘(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. 
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‘‘ ‘(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.’. 
‘‘(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 
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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-
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 
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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’’. 
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-
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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 
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.’’. 
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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 
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. 
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‘‘(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 
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 
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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)— 
(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-
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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 
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’’; 
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(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.’’. 
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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