‘‘(A) in each of the 10 most commonly spo-
ken languages, other than English, in the 
United States, as determined by the Bureau of 
the Census on an ongoing basis; and 
‘‘(B) in formats accessible to individuals 
with hearing or vision impairments; and 
‘‘(2) to ensure that— 
‘‘(A) customer service representatives, in-
cluding employees assigned to handle disputes 
or appeals under sections 611 and 623, who are 
available to assist consumers are highly familiar 
with the requirements of this title; 
‘‘(B) such representatives are available 
during regular business hours and outside of 
regular business hours, including evenings and 
weekends; and 
‘‘(C) at least one among such representa-
tives is fluent in each of the 10 most commonly 
spoken languages, other than English, in the 
United States, as determined by the Bureau of 
the Census on an ongoing basis. 
‘‘(b) BUREAU CONSULTATION.—The Bureau shall 
consult with advocates for civil rights, consumer groups, 
community groups, and organizations that serve tradition-
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ally underserved communities and populations in issuing 
the rule described in subsection (a).’’; and 
(2) in the table of contents for such Act, as 
amended by section 203, by adding at the end the 
following new item: 
‘‘632. Fair access to information for nonnative English speakers and the visually 
and hearing impaired.’’. 
SEC. 205. COMPARISON SHOPPING FOR LOANS WITHOUT 
HARM TO CREDIT STANDING. 
Section 605 of the Fair Credit Reporting Act (15 
U.S.C. 1681c) is amended by adding at the end the fol-
lowing new subsection: 
‘‘(h) ENCOURAGING CONSUMERS TO COMPARISON 
SHOP FOR LOANS BY TREATING GROUPED ENQUIRIES OF 
THE SAME TYPE WITHIN A REASONABLE PERIOD AS A 
SINGLE ENQUIRY.— 
‘‘(1) IN GENERAL.—With respect to multiple 
enquiries of the same type made to a consumer re-
porting agency for a consumer report or credit score 
with respect to a consumer, any credit scoring model 
shall treat such enquiries as a single enquiry if the 
enquiries are made within a 120-day period. 
‘‘(2) DEFINITION OF ENQUIRIES OF THE SAME 
TYPE.—With respect to multiple enquiries made to 
a consumer reporting agency for a consumer report 
or credit score with respect to a consumer, such 
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enquiries are ‘of the same type’ if the consumer re-
porting agency has reason to believe that the 
enquiries are all made for the purpose of deter-
mining the consumer’s creditworthiness for an exten-
sion of credit described in one of the following: 
‘‘(A) Any loan primarily for personal, fam-
ily, or household use that is secured by a mort-
gage, deed of trust, or other equivalent consen-
sual security interest on a dwelling (as defined 
in section 103(w) of the Truth in Lending Act), 
including a loan in which the proceeds will be 
used for— 
‘‘(i) a manufactured home (as defined 
in section 603 of the Housing and Commu-
nity Development Act of 1974 (42 U.S.C. 
5402)); 
‘‘(ii) any installment sales contract, 
land contract, or contract for deed on a 
residential property; or 
‘‘(iii) a reverse mortgage transaction 
(as defined in section 103 of the Truth in 
Lending Act). 
‘‘(B) A motor vehicle loan or lease (as de-
scribed in section 609(j)). 
‘‘(C) A private education loan. 
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‘‘(D) Any other consumer financial product 
or service, as determined by the Bureau.’’. 
SEC. 206. NATIONWIDE CONSUMER REPORTING AGENCIES 
REGISTRY. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.), as amended by section 204, is further amended— 
(1) by adding at the end the following new sec-
tion: 
‘‘§ 633. Nationwide consumer reporting agencies reg-
istry 
‘‘(a) IN GENERAL.—Not later than 1 year after the 
date of enactment of this section, the Bureau shall estab-
lish and maintain a publicly accessible registry of con-
sumer reporting agencies described in subsection (p) or 
(x) of section 603 (and any other agencies the Bureau de-
termines provide similar services to such consumer report-
ing agencies) that includes current contact information of 
each such agency, including the Internet website address 
of the Internet website described under section 611(h), 
and information on how consumers can obtain their con-
sumer report, credit scores, or educational credit scores 
(as applicable) by toll-free telephone, postal mail, or elec-
tronic means. 
‘‘(b) REGISTRY REQUIREMENTS.—The registry de-
scribed in subsection (a) shall— 
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‘‘(1) identify the largest agencies and the mar-
kets and demographics covered by such agencies; 
and 
‘‘(2) disclose, with respect to each agency, 
whether the agency is subject to the supervisory au-
thority of the Bureau under this title. 
‘‘(c) INFORMATION
UPDATES.—Each agency de-
scribed under subsection (a) shall submit to the Bureau 
contact information for the registry, including any updates 
to such information. The Bureau shall— 
‘‘(1) independently verify information submitted 
by each agency; and 
‘‘(2) update the registry not less frequently 
than annually.’’; and 
(2) in the table of contents for such Act, as 
amended by section 204, by adding at the end the 
following new item: 
‘‘633. Nationwide consumer reporting agencies registry.’’. 
Æ 
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