I 
112TH CONGRESS 
2D SESSION 
H. R. 6363 
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 companies, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 10, 2012 
Mr. RENACCI (for himself, Mr. ELLISON, Mr. HINOJOSA, Mr. JONES, and Mr. 
CAPUANO) introduced the following bill; which was referred to the Com-
mittee on Financial 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 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 the consumer’s obligations 
under a real property lease, a subscription 
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agreement, or , subject to the limitations under 
paragraph (2), an account of a public utility 
service. 
‘‘(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) PUBLIC UTILITY SERVICE.—For purposes 
of this subsection, the term ‘public utility service’ 
means an entity that provides utility services to the 
public through pipe, wire, or other connected facili-
ties, or radio, electronic, or similar transmission (in-
cluding the extension of such facilities), and the 
charges for service, delayed payment, and any dis-
count for prompt payment are filed with or regu-
lated by a government entity.’’. 
Æ 
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