SEC. 4. GENERAL BUREAU RULEMAKING. 
Except as otherwise provided, not later than the end 
of the 2-year period beginning on the date of the enact-
ment of this Act, the Bureau of Consumer Financial Pro-
tection shall issue final rules to implement the amend-
ments made by this Act. 
TITLE I—RESTORING THE IM-
PAIRED CREDIT OF VICTIMS 
OF PREDATORY ACTIVITIES 
AND UNFAIR CONSUMER RE-
PORTING PRACTICES 
SEC. 101. SHORTENS THE TIME PERIOD THAT MOST AD-
VERSE CREDIT INFORMATION STAYS ON CON-
SUMER REPORTS. 
(a) IN GENERAL.—Section 605 of the Fair Credit 
Reporting Act (15 U.S.C. 1681c) is amended— 
(1) in subsection (a)— 
(A) by striking ‘‘Except as authorized 
under subsection (b), no’’ and inserting ‘‘No’’; 
(B) in paragraph (1), by striking ‘‘10 
years’’ and inserting ‘‘7 years’’; 
(C) in paragraph (2), by striking ‘‘Civil 
suits, civil judgments, and records’’ and insert-
ing ‘‘Records’’; 
(D) in paragraph (3), by striking ‘‘seven 
years’’ and inserting ‘‘4 years’’; 
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(E) in paragraph (4), by striking ‘‘seven 
years’’ and inserting ‘‘4 years, except as pro-
vided in paragraph (8), (10), (11), (12), or 
(13), or as required by section 605C, 605D, 
605E, or 605F’’; 
(F) in paragraph (5)— 
(i) by striking ‘‘, other than records of 
convictions of crimes’’; and 
(ii) by striking ‘‘seven years’’ and in-
serting ‘‘4 years, except as required by sec-
tion 605C, 605D, 605E, or 605F’’; and 
(G) by adding at the end the following new 
paragraphs: 
‘‘(9) Civil suits and civil judgments (except as 
provided in paragraph (8)) that, from date of entry, 
antedate the report by more than 4 years or until 
the governing statute of limitations has expired, 
whichever is the longer period. 
‘‘(10) A civil suit or civil judgment— 
‘‘(A) brought by a private education loan 
holder that, from the date of successful comple-
tion of credit restoration or rehabilitation in ac-
cordance with the requirements of section 605D 
or 605E, antedates the report by 45 calendar 
days; or 
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‘‘(B) brought by a lender with respect to 
a covered residential mortgage loan that ante-
dates the report by 45 calendar days. 
‘‘(11) Records of convictions of crimes which 
antedate the report by more than 7 years. 
‘‘(12) Any other adverse item of information re-
lating to the collection of debt that did not arise 
from a contract or an agreement to pay by a con-
sumer, including fines, tickets, and other assess-
ments, as determined by the Bureau, excluding tax 
liability.’’; 
(2) by striking subsection (b) and redesignating 
subsections (c) through (h) as subsections (b) 
through (g), respectively; and 
(3) in subsection (b) (as so redesignated), by 
striking ‘‘7-year period referred to in paragraphs (4) 
and (6)’’ and inserting ‘‘4-year period referred to in 
paragraphs (4) and (5)’’. 
(b) CONFORMING AMENDMENTS.—The Fair Credit 
Reporting Act (15 U.S.C. 1681) is amended— 
(1) in section 616(d), by striking ‘‘section 
605(g)’’ each place that term appears and inserting 
‘‘section 605(f)’’; and 
(2) in section 625(b)(5)(A), by striking ‘‘section 
605(g)’’ and inserting ‘‘section 605(f)’’. 
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SEC. 102. MANDATES THE EXPEDITED REMOVAL OF FULLY 
PAID OR SETTLED DEBT FROM CONSUMER 
REPORTS. 
Section 605(a) of the Fair Credit Reporting Act (15 
U.S.C. 1681c(a)), as amended by section 101(a)(1), is fur-
ther amended by adding at the end the following new para-
graph: 
‘‘(13) Any other adverse item of information re-
lated to a fully paid or settled debt that had been 
characterized as delinquent, charged off, or in collec-
tion which, from the date of payment or settlement, 
antedates the report by more than 45 calendar 
days.’’. 
SEC. 103. IMPOSES RESTRICTIONS ON THE APPEARANCE 
OF MEDICAL COLLECTIONS ON CONSUMER 
REPORTS AND REQUIRES THE EXPEDITED 
REMOVAL OF FULLY PAID OR SETTLED MED-
ICAL COLLECTIONS FROM CONSUMER RE-
PORTS. 
(a) REMOVAL OF FULLY PAID OR SETTLED MED-
ICAL DEBT FROM CONSUMER REPORTS.—Section 605(a) 
of the Fair Credit Reporting Act (15 U.S.C. 1681c(a)), 
as amended by section 102, is further amended by adding 
at the end the following new paragraph: 
‘‘(14) Any other adverse item of information re-
lated to a fully paid or settled debt arising from the 
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receipt of medical services, products, or devices that 
had been characterized as delinquent, charged off, or 
in collection which, from the date of payment or set-
tlement, antedates the report by more than 45 cal-
endar days.’’. 
(b) ESTABLISHING AN EXTENDED TIME PERIOD BE-
FORE CERTAIN MEDICAL DEBT INFORMATION MAY BE 
REPORTED.—Section 605(a) of such Act is further 
amended by adding at the end the following new para-
graph: 
‘‘(15) Any information related to a debt arising 
from the receipt of medical services, products, or de-
vices, if the date on which such debt was placed for 
collection, charged to profit or loss, or subjected to 
any similar action antedates the report by less than 
365 calendar days.’’. 
(c) PROHIBITION ON REPORTING MEDICALLY NEC-
ESSARY PROCEDURES.—Section 605(a) of such Act is fur-
ther amended by adding at the end the following new para-
graph: 
‘‘(16) Any information related to a debt arising 
from a medically necessary procedure.’’. 
(d) TECHNICAL AMENDMENT.—Section 604(g)(1)(C) 
of 
the 
Fair 
Credit 
Reporting 
Act 
(15 
U.S.C. 
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1681b(g)(1)(C)) is further amended by striking ‘‘devises’’ 
and inserting ‘‘devices’’. 
SEC. 104. PROVIDES CREDIT RESTORATION FOR VICTIMS 
OF PREDATORY MORTGAGE LENDING AND 
SERVICING. 
(a) IN GENERAL.—The Fair Credit Reporting Act 
(15 U.S.C. 1681 et seq.) is amended by inserting after 
section 605B the following new section: 
‘‘§ 605C. Credit restoration for victims of predatory 
mortgage lending 
‘‘(a) IN GENERAL.—A consumer reporting agency 
may not furnish any consumer report containing any ad-
verse item of information relating to a covered residential 
mortgage loan (including the origination and servicing of 
such a loan, any loss mitigation activities related to such 
a loan, and any foreclosure, deed in lieu of foreclosure, 
or short sale related to such a loan), if the action or inac-
tion to which the item of information relates— 
‘‘(1) resulted from an unfair, deceptive, or abu-
sive act or practice, or a fraudulent, discriminatory, 
or illegal activity of a financial institution, as deter-
mined by the Bureau or a court of competent juris-
diction; or 
‘‘(2) is related to an unfair, deceptive, or abu-
sive act, practice, or a fraudulent, discriminatory, or 
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illegal activity of a financial institution that is the 
subject of a settlement agreement initiated on behalf 
of a consumer or consumers and that is between the 
financial institution and an agency or department of 
a local, State, or Federal Government, regardless of 
whether such settlement includes an admission of 
wrongdoing. 
‘‘(b) COVERED RESIDENTIAL MORTGAGE LOAN DE-
FINED.—In this section, the term ‘covered residential 
mortgage loan’ means any loan primarily for personal, 
family, or household use that is secured by a mortgage, 
deed of trust, or other equivalent consensual security in-
terest on a dwelling (as defined in section 103(w) of the 
Truth in Lending Act), including a loan in which the pro-
ceeds will be used for— 
‘‘(1) a manufactured home (as defined in sec-
tion 603 of the Housing and Community Develop-
ment Act of 1974 (42 U.S.C. 5402)); 
‘‘(2) any installment sales contract, land con-
tract, or contract for deed on a residential property; 
or 
‘‘(3) a reverse mortgage transaction (as defined 
in section 103 of the Truth in Lending Act).’’. 
(b) TABLE OF CONTENTS AMENDMENT.—The table 
of contents of the Fair Credit Reporting Act is amended 
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by inserting after the item relating to section 605B the 
following new item: 
‘‘605C. Credit restoration for victims of predatory mortgage lending.’’. 
(c) EFFECTIVE DATE.—The amendments made by 
this section shall take effect at the end of the 18-month 
period beginning on the date of the enactment of this Act. 
SEC. 105. PROVIDES CREDIT RELIEF FOR PRIVATE EDU-
CATION LOANS BORROWERS WHO WERE DE-
FRAUDED OR MISLEAD BY PROPRIETARY 
EDUCATION INSTITUTION OR CAREER EDU-
CATION PROGRAMS. 
(a) IN GENERAL.—The Fair Credit Reporting Act 
(15 U.S.C. 1681 et seq.), as amended by section 104, is 
further amended by inserting after section 605C the fol-
lowing new section: 
‘‘§ 605D. Private education loan credit restoration for 
defrauded student borrowers who attend 
certain proprietary educational institu-
tion or career education programs 
‘‘(a) PROCESS FOR CERTIFICATION AS A QUALIFYING 
PRIVATE EDUCATION LOAN BORROWER.— 
‘‘(1) IN GENERAL.—A consumer may submit a 
request to the Bureau, along with a defraudment 
claim, to be certified as a qualifying private edu-
cation loan borrower with respect to a private edu-
cation loan. 
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‘‘(2) CERTIFICATION.—The Bureau shall certify 
a consumer described in paragraph (1) as a quali-
fying private education loan borrower with respect to 
a private education loan if the Bureau or a court of 
competent jurisdiction determines that the consumer 
has a valid defraudment claim with respect to such 
loan. 
‘‘(b) REMOVAL OF ADVERSE INFORMATION.—Upon 
receipt of a notice described in subsection (d)(5), a con-
sumer reporting agency shall remove any adverse informa-
tion relating to any private education loan with respect 
to which a consumer is a qualifying private education loan 
borrower from any consumer report within 45 calendar 
days of receipt of such notification. 
‘‘(c) DISCLOSURE.—The Bureau shall disclose the re-
sults of a certification determination in writing to the con-
sumer that provides a clear and concise explanation of the 
basis for the determination of whether such consumer is 
a qualifying private education loan borrower with respect 
to a private education loan and, as applicable, an expla-
nation of the consumer’s right to have adverse information 
relating to such loan removed from their consumer report 
by a consumer reporting agency. 
‘‘(d) PROCEDURES.—The Bureau shall— 
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‘‘(1) establish procedures for a consumer to 
submit a request described in subsection (a); 
‘‘(2) establish procedures to efficiently review, 
accept, and process such a request; 
‘‘(3) develop ongoing outreach initiatives and 
education programs to inform consumers of the cir-
cumstances under which such consumer may be eli-
gible to be certified as a qualifying private education 
loan borrower with respect to a private education 
loan; 
‘‘(4) establish procedures, including the man-
ner, form, and content of the notice informing a pri-
vate educational loan holder of the prohibition on re-
porting any adverse information relating to a private 
education loan with respect to which a consumer is 
a qualifying private education loan borrower; and 
‘‘(5) establish procedures, including the man-
ner, form, and content of the notice informing a con-
sumer reporting agency of the obligation to remove 
any adverse information as described in subsection 
(c). 
‘‘(e) STANDARDIZED REPORTING CODES.—A con-
sumer reporting agency shall develop standardized report-
ing codes for use by private education loan holders to iden-
tify and report a qualifying private education loan bor-
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rower’s status of a request to remove any adverse informa-
tion relating to any private education loan with respect 
to which such consumer is a qualifying private education 
loan borrower. A consumer report in which a person fur-
nishes such codes shall be deemed to comply with the re-
quirements for accuracy and completeness required under 
sections 623(a)(1) and 630. Such codes shall not appear 
on any report provided to a third party, and shall be re-
moved from the consumer’s credit report upon the success-
ful restoration of the consumer’s credit under this section. 
‘‘(f) DEFRAUDMENT CLAIM DEFINED.—For pur-
poses of this section, the term ‘defraudment claim’ means 
a claim made with respect to a consumer who is a bor-
rower of a private education loan with respect to a propri-
etary educational institution or career education program 
in which the consumer alleges that— 
‘‘(1) the proprietary educational institution or 
career education program— 
‘‘(A) engaged in an unfair, deceptive, or 
abusive act or practice, or a fraudulent, dis-
criminatory, or illegal activity— 
‘‘(i) as defined by State law of the 
State in which the proprietary educational 
institution or career education program is 
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headquartered or maintains or maintained 
significant operations; or 
‘‘(ii) under Federal law; 
‘‘(B) is the subject of an enforcement 
order, a settlement agreement, a memorandum 
of understanding, a suspension of tuition assist-
ance, or any other action relating to an unfair, 
deceptive, or abusive act or practice that is be-
tween the proprietary educational institution or 
career education program and an agency or de-
partment of a local, State, or Federal Govern-
ment; or 
‘‘(C) misrepresented facts to students or 
accrediting agencies or associations about grad-
uation or gainful employment rates in recog-
nized occupations or failed to provide the 
coursework necessary for students to success-
fully obtain a professional certification or de-
gree from the proprietary educational institu-
tion or career education program; or 
‘‘(2) the consumer has submitted a valid de-
fense to repayment claim with respect to such loan, 
as determined by the Secretary of Education.’’. 
(b) TABLE OF CONTENTS AMENDMENT.—The table 
of contents of the Fair Credit Reporting Act is amended 
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by inserting after the item relating to section 605C (as 
added by section 104) the following new item: 
‘‘605D. Private education loan credit restoration for defrauded student bor-
rowers who attend certain proprietary educational institution 
or career education programs.’’. 
SEC. 106. ESTABLISHES RIGHT FOR VICTIMS OF FINANCIAL 
ABUSE TO HAVE ADVERSE INFORMATION AS-
SOCIATED WITH AN ABUSER’S FRAUDULENT 
ACTIVITY REMOVED FROM THEIR CONSUMER 
REPORTS. 
(a) IN GENERAL.—The Fair Credit Reporting Act 
(15 U.S.C. 1681 et seq.), as amended by section 105, is 
further amended by inserting after section 605D the fol-
lowing new section: 
‘‘§ 605E. Financial abuse prevention 
‘‘For a consumer who is the victim of intentionally 
abusive or harmful financial behavior, as determined by 
a court of competent jurisdiction including a family court, 
juvenile court, or other court with personal jurisdiction, 
that was conducted by a spouse, family or household mem-
ber, caregiver, or person with whom such consumer had 
a dating relationship in a manner which resulted in the 
inclusion of an adverse item of information on the con-
sumer report of the consumer, and the consumer did not 
participate in or consent to such behavior, the consumer 
may apply to a court of competent jurisdiction, including 
a family court, juvenile court, or other court with personal 
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jurisdiction, for an order to require the removal of such 
adverse information from the consumer’s file maintained 
by any consumer reporting agency.’’. 
(b) TABLE OF CONTENTS AMENDMENT.—The table 
of contents of the Fair Credit Reporting Act is amended 
by inserting after the item relating to section 605D the 
following new item: 
‘‘605E. Financial abuse prevention.’’. 
SEC. 107. PROHIBITS TREATMENT OF CREDIT RESTORA-
TION OR REHABILITATION AS ADVERSE IN-
FORMATION. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended— 
(1) by adding at the end the following new sec-
tion: 
‘‘§ 630. Prohibition of certain factors related to Fed-
eral credit restoration or rehabilitation 
‘‘(a) RESTRICTION ON CREDIT SCORING MODELS.— 
A credit scoring model may not— 
‘‘(1) take into consideration, in a manner ad-
verse to a consumer’s credit score or educational 
credit score, any information in a consumer report 
concerning the consumer’s participation in credit 
restoration or rehabilitation under section 605C, 
605D, or 605E; or 
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‘‘(2) treat negatively, in a manner adverse to a 
consumer’s credit score or educational credit score, 
the absence of payment history data for an existing 
account, whether the account is open or closed, 
where the absence of such information is the result 
of a consumer’s participation in credit restoration or 
rehabilitation under section 605C, 605D, or 605E. 
‘‘(b) RESTRICTION ON PERSONS OBTAINING CON-
SUMER REPORTS.—A person who obtains a consumer re-
port may not— 
‘‘(1) take into consideration, in a manner ad-
verse to a consumer, any information in a consumer 
report concerning the consumer’s participation in 
credit restoration or rehabilitation under section 
605C, 605D, or 605E; or 
‘‘(2) treat negatively the absence of payment 
history data for an existing account, whether the ac-
count is open or closed, where the absence of such 
information is the result of a consumer’s participa-
tion in credit restoration or rehabilitation under sec-
tion 605C, 605D, or 605E. 
‘‘(c) ACCURACY AND COMPLETENESS.—If a person 
who furnishes information to a consumer reporting agency 
requests the removal of information from a consumer re-
port or a consumer reporting agency removes information 
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from a consumer report in compliance with the require-
ments under section 605C, 605D, or 605E, or such infor-
mation was removed pursuant at section 605(a)(11), such 
report shall be deemed to satisfy the requirements for ac-
curacy and completeness with respect to such information. 
‘‘(d) PROHIBITION RELATED TO ADVERSE ACTIONS 
AND RISK-BASED PRICING DECISIONS.—No person shall 
use information related to a consumer’s participation in 
credit restoration or rehabilitation under section 605C, 
605D, or 605E in connection with any determination of— 
‘‘(1) the consumer’s eligibility or continued eli-
gibility for an extension of credit; 
‘‘(2) the terms and conditions offered to a con-
sumer regarding an extension of credit; or 
‘‘(3) an adverse action made for employment 
purposes.’’; and 
(2) in the table of contents for such Act, by 
adding at the end the following new item: 
‘‘630. Prohibition of certain factors related to Federal credit restoration or reha-
bilitation.’’. 
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TITLE 
II—EXPANDING 
ACCESS 
TO TOOLS TO PROTECT VUL-
NERABLE CONSUMERS FROM 
IDENTITY THEFT, FRAUD, OR 
A RELATED CRIME, AND PRO-
TECT 
VICTIMS 
FROM 
FUR-
THER HARM 
SEC. 201. IDENTITY THEFT REPORT DEFINITION. 
Paragraph (4) of section 603(q) of the Fair Credit 
Reporting Act (15 U.S.C. 1681a(q)(4)) is amended to 
read as follows: 
‘‘(4) IDENTITY
THEFT
REPORT.—The term 
‘identity theft report’ has the meaning given that 
term by rule of the Bureau, and means, at a min-
imum, a report— 
‘‘(A) that is a standardized affidavit that 
alleges that a consumer has been a victim of 
identity theft, fraud, or a related crime, or has 
been harmed by the unauthorized disclosure of 
the consumer’s financial or personally identifi-
able information, that was developed and made 
available by the Bureau; or 
‘‘(B)(i) that alleges an identity theft, 
fraud, or a related crime, or alleges harm from 
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the unauthorized disclosure of the consumer’s 
financial or personally identifiable information; 
‘‘(ii) that is a copy of an official, valid re-
port filed by a consumer with an appropriate 
Federal, State, or local law enforcement agency, 
including the United States Postal Inspection 
Service, or such other government agency 
deemed appropriate by the Bureau; and 
‘‘(iii) the filing of which subjects the per-
son filing the report to criminal penalties relat-
ing to the filing of false information if, in fact, 
the information in the report is false.’’. 
SEC. 202. AMENDMENT TO PROTECTION FOR FILES AND 
CREDIT 
RECORDS 
OF 
PROTECTED 
CON-
SUMERS. 
(a) AMENDMENT TO DEFINITION OF ‘‘FILE’’.—Sec-
tion 603(g) of the Fair Credit Reporting Act (15 U.S.C. 
1681a(g)) is amended by inserting ‘‘, except that such 
term excludes a record created pursuant to section 
605A(j)’’ after ‘‘stored’’. 
(b) AMENDMENT TO PROTECTION FOR FILES AND 
CREDIT RECORDS.—Section 605A(j) of the Fair Credit 
Reporting Act (15 U.S.C. 1681c–1(j)) is amended— 
(1) in paragraph (1)— 
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SEC. 203. ENHANCES FRAUD ALERT PROTECTIONS. 
Section 605A of the Fair Credit Reporting Act (15 
U.S.C. 1681c–1) is amended— 
(1) in subsection (a)— 
(A) in the subsection heading, by striking 
‘‘ONE-CALL’’ and inserting ‘‘ONE-YEAR’’; 
(B) in paragraph (1)— 
(i) in the paragraph heading, by strik-
ing ‘‘INITIAL ALERTS’’ and inserting ‘‘IN 
GENERAL’’; 
(ii) by inserting ‘‘or harmed by the 
unauthorized disclosure of the consumer’s 
financial or personally identifiable informa-
tion,’’ after ‘‘identity theft,’’; 
(iii) in subparagraph (A), by striking 
‘‘and’’ at the end; 
(iv) in subparagraph (B)— 
(I) by inserting ‘‘1-year’’ before 
‘‘fraud alert’’; and 
(II) by striking the period at the 
end and inserting ‘‘; and’’; and 
(v) by adding at the end the following 
new subparagraph: 
‘‘(C) upon the expiration of the 1-year pe-
riod described in subparagraph (A) or a subse-
quent 1-year period, and in response to a direct 
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request by the consumer or such representative, 
continue the fraud alert for a period of 1 addi-
tional year if the information asserted in this 
paragraph remains applicable.’’; and 
(C) in paragraph (2)— 
(i) in the paragraph heading, by in-
serting ‘‘AND
CREDIT
OR
EDUCATIONAL 
CREDIT SCORES’’ after ‘‘REPORTS’’; 
(ii) by inserting ‘‘1-year’’ before 
‘‘fraud alert’’; 
(iii) in subparagraph (A), by inserting 
‘‘and credit score or educational credit 
score’’ after ‘‘file’’; and 
(iv) in subparagraph (B), by striking 
‘‘any request described in subparagraph 
(A)’’ and inserting ‘‘the consumer report-
ing agency includes the 1-year fraud alert 
in the file of a consumer’’; 
(2) in subsection (b)— 
(A) in the subsection heading, by striking 
‘‘EXTENDED’’ and inserting ‘‘SEVEN-YEAR’’; 
(B) in paragraph (1)— 
(i) in subparagraph (B)— 
(I) by striking ‘‘5-year period be-
ginning on the date of such request’’ 
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and inserting ‘‘such 7-year period’’; 
and 
(II) by striking ‘‘and’’ at the end; 
(ii) in subparagraph (C)— 
(I) by striking ‘‘extended’’ and 
inserting ‘‘7-year’’; and 
(II) by striking the period at the 
end and inserting ‘‘; and’’; and 
(iii) by adding at the end the fol-
lowing new subparagraph: 
‘‘(D) upon the expiration of such 7-year 
period or a subsequent 7-year period, and in re-
sponse to a direct request by the consumer or 
such representative, continue the fraud alert for 
a period of 7 additional years if the consumer 
or such representative submits an updated iden-
tity theft report.’’; and 
(C) in paragraph (2)— 
(i) in the paragraph heading, by in-
serting ‘‘AND
CREDIT
OR
EDUCATIONAL 
CREDIT SCORES’’ after ‘‘REPORTS’’; and 
(ii) by amending subparagraph (A) to 
read as follows: 
‘‘(A) disclose to the consumer that the con-
sumer may request a free copy of the file and 
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credit score or educational credit score of the 
consumer pursuant to section 612(d) during 
each 12-month period beginning on the date on 
which the 7-year fraud alert was included in the 
file and ending on the date of the last day that 
the 7-year fraud alert applies to the consumer’s 
file; and’’; 
(3) in subsection (c)— 
(A) in paragraph (1), by inserting ‘‘or edu-
cational credit score’’ after ‘‘credit score’’; 
(B) by redesignating paragraphs (1), (2), 
and (3), as subparagraphs (A), (B), and (C), 
respectively (and conforming the margins ac-
cordingly); 
(C) by striking ‘‘Upon the direct request’’ 
and inserting: 
‘‘(1) IN GENERAL.—Upon the direct request’’; 
and 
(D) by adding at the end the following new 
paragraph: 
‘‘(2) ACCESS TO FREE REPORTS AND CREDIT 
OR EDUCATIONAL CREDIT SCORES.—If a consumer 
reporting agency includes an active duty alert in the 
file of an active duty military consumer, the con-
sumer reporting agency shall— 
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‘‘(A) disclose to the active duty military 
consumer that the active duty military con-
sumer may request a free copy of the file and 
credit score or educational credit score of the 
active duty military consumer pursuant to sec-
tion 612(d), during each 12-month period be-
ginning on the date that the activity duty mili-
tary alert is requested and ending on the date 
of the last day the active duty alert applies to 
the file of the active duty military consumer; 
and 
‘‘(B) provide to the active duty military 
consumer all disclosures required to be made 
under section 609, without charge to the con-
sumer, not later than 3 business days after any 
request described in subparagraph (A).’’; 
(4) by amending subsection (d) to read as fol-
lows: 
‘‘(d) PROCEDURES.—Each consumer reporting agen-
cy described in section 603(p) shall include on the 
webpage required under subsection (i) policies and proce-
dures to comply with this section, including policies and 
procedures— 
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‘‘(1) that inform consumers of the availability 
of 1-year fraud alerts, 7-year fraud alerts, active 
duty alerts, and security freezes (as applicable); 
‘‘(2) that allow consumers to request 1-year 
fraud alerts, 7-year fraud alerts, and active duty 
alerts (as applicable) and to place, temporarily lift, 
or fully remove a security freeze in a simple and 
easy manner; and 
‘‘(3) for asserting in good faith a suspicion that 
the consumer has been or is about to become a vic-
tim of identity theft, fraud, or a related crime, or 
harmed by the unauthorized disclosure of the con-
sumer’s financial or personally identifiable informa-
tion, for a consumer seeking a 1-year fraud alert or 
security freeze.’’; 
(5) in subsection (e), by inserting ‘‘1-year or 7- 
year’’ before ‘‘fraud alert’’; 
(6) in subsection (f), by striking ‘‘or active duty 
alert’’ and inserting ‘‘active duty alert, or security 
freeze (as applicable)’’; 
(7) in subsection (g)— 
(A) by inserting ‘‘or has been harmed by 
the unauthorized disclosure of the consumer’s 
financial or personally identifiable information, 
or to inform such agency of the consumer’s par-
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ticipation in credit restoration or rehabilitation 
under section 605C, 605D, or 605E,’’ after 
‘‘identity theft,’’; and 
(B) by inserting ‘‘or security freezes’’ after 
‘‘request alerts’’; 
(8) in subsection (h)— 
(A) in paragraph (1)— 
(i) in the paragraph heading, by strik-
ing ‘‘INITIAL’’ and inserting ‘‘1-YEAR’’; and 
(ii) by striking ‘‘initial’’ and inserting 
‘‘1-year’’ each place such term appears; 
and 
(B) in paragraph (2)— 
(i) in the paragraph heading, by strik-
ing ‘‘EXTENDED’’ and inserting ‘‘7-YEAR’’; 
and 
(ii) by striking ‘‘extended’’ and insert-
ing ‘‘7-year’’ each place such term appears; 
and 
(9) in subsection (i)(4)— 
(A) by striking subparagraphs (E) and (I); 
and 
(B) by redesignating subparagraphs (F), 
(G), (H), and (J) as subparagraphs (E), (F), 
(G), and (H), respectively. 
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SEC. 204. AMENDMENT TO SECURITY FREEZES FOR CON-
SUMER REPORTS. 
(a) IN GENERAL.—Section 605A(i) of the Fair Credit 
Reporting Act (15 U.S.C. 1681c–1(i)) is amended— 
(1) by amending the subsection heading to read 
as follows: ‘‘SECURITY FREEZES
FOR CONSUMER 
REPORTS’’; 
(2) in subparagraph (E), by striking ‘‘Upon re-
ceiving’’ and all that follows through ‘‘subparagraph 
(C),’’ and inserting ‘‘Upon receiving a direct request 
from a consumer for a temporary removal of a secu-
rity freeze, a consumer reporting agency shall’’; 
(4) by adding at the end the following: 
‘‘(7) RELATION
TO
STATE
LAW.—This sub-
section does not modify or supersede the laws of any 
State relating to security freezes or other similar ac-
tions, except to the extent those laws are incon-
sistent with any provision of this title, and then only 
to the extent of the inconsistency. For purposes of 
this subsection, a term or provision of a State law 
is not inconsistent with the provisions of this sub-
section if the term or provision affords greater pro-
tection to the consumer than the protection provided 
under this subsection as determined by the Bu-
reau.’’. 
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(b) AMENDMENT TO WEBPAGE REQUIREMENTS.— 
Section 605A(i)(6)(A) of the Fair Credit Reporting Act 
(15 U.S.C. 1681c–1(i)(6)(A)) is amended— 
(3) in clause (i), by striking ‘‘initial fraud 
alert’’ and inserting ‘‘1-year fraud alert’’; 
(4) in clause (iii), by striking ‘‘extended fraud 
alert’’ and inserting ‘‘7-year fraud alert’’; and 
(5) in clause (iv), by striking ‘‘fraud’’. 
(c) AMENDMENT
TO EXCEPTIONS
FOR CERTAIN 
PERSONS.—Section 605A(i)(4)(A) of the Consumer Cred-
it Protection Act (15 U.S.C. 1681c–1(i)(4)(A)) is amend-
ed to read as follows: 
‘‘(A) A person, or the person’s subsidiary, 
affiliate, agent, subcontractor, or assignee with 
whom the consumer has, or prior to assignment 
had, an authorized account, contract, or debtor- 
creditor relationship for the purposes of review-
ing the active account or collecting the financial 
obligation owed on the account, contract, or 
debt.’’. 
(e) EFFECTIVE DATE.—The amendments made by 
subsection (a) shall take effect on the date of the enact-
ment of this Act. 
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SEC. 205. CLARIFICATION OF INFORMATION TO BE IN-
CLUDED WITH AGENCY DISCLOSURES. 
Section 
609(c)(2) 
of 
such 
Act 
(15 
U.S.C. 
1681g(c)(2)) is amended— 
(1) in subparagraph (B)— 
(A) by striking ‘‘consumer reporting agen-
cy described in section 603(p)’’ and inserting 
‘‘consumer reporting agency described in sub-
section (p) or (x) of section 603’’; 
(B) by striking ‘‘the agency’’ and inserting 
‘‘such an agency’’; and 
(C) by inserting ‘‘and an Internet website 
address’’ after ‘‘hours’’; and 
(2) in subparagraph (E), by striking ‘‘outdated 
under section 605 or’’ and inserting ‘‘outdated, re-
quired to be removed, or’’. 
SEC. 206. PROVIDES ACCESS TO FRAUD RECORDS FOR VIC-
TIMS. 
Section 609(e) of the Fair Credit Reporting Act (15 
U.S.C. 1681g(e)) is amended— 
(1) in paragraph (1)— 
(A) by striking ‘‘resulting from identity 
theft’’; 
(B) by striking ‘‘claim of identity theft’’ 
and inserting ‘‘claim of fraudulent activity’’; 
and 
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(C) by striking ‘‘any transaction alleged to 
be a result of identity theft’’ and inserting ‘‘any 
fraudulent transaction’’; 
(2) in paragraph (2)(B)— 
(A) by striking ‘‘identity theft, at the elec-
tion of the business entity’’ and inserting 
‘‘fraudulent activity’’; 
(B) by amending clause (i) to read as fol-
lows: 
‘‘(i) a copy of an identity theft report; 
or’’; and 
(C) by amending clause (ii) to read as fol-
lows: 
‘‘(ii) an affidavit of fact that is ac-
ceptable to the business entity for that 
purpose.’’; 
(3) in paragraph (3), by striking ‘‘identity 
theft’’ and inserting ‘‘fraudulent activity’’; 
(4) by striking paragraph (8) and redesignating 
paragraphs (9) through (13) as paragraphs (8) 
through (12), respectively; and 
(5) in paragraph (10) (as so redesignated), by 
striking ‘‘or a similar crime’’ and inserting ‘‘, fraud, 
or a related crime’’. 
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SEC. 207. REQUIRED BUREAU TO SET PROCEDURES FOR 
REPORTING IDENTITY THEFT, FRAUD, AND 
OTHER RELATED CRIME. 
Section 621(f)(2) of the Fair Credit Reporting Act 
(15 U.S.C. 1681s(f)(2)) is amended— 
(1) in the paragraph heading, by striking 
‘‘MODEL FORM’’ and inserting ‘‘STANDARDIZED AF-
FIDAVIT’’; 
(2) by striking ‘‘The Commission’’ and insert-
ing ‘‘The Bureau’’; 
(3) by striking ‘‘model form’’ and inserting 
‘‘standardized affidavit’’; 
(4) by inserting after ‘‘identity theft’’ the fol-
lowing: ‘‘, fraud, or a related crime, or otherwise are 
harmed by the unauthorized disclosure of the con-
sumer’s financial or personally identifiable informa-
tion,’’; and 
(5) by striking ‘‘fraud.’’ and inserting ‘‘identity 
theft, fraud, or other related crime. Such standard-
ized affidavit and procedures shall not include a re-
quirement that a consumer obtain a police report.’’. 
SEC. 208. ESTABLISHES THE RIGHT TO FREE CREDIT MONI-
TORING AND IDENTITY THEFT PROTECTION 
SERVICES FOR CERTAIN CONSUMERS. 
(a) ENFORCEMENT
OF CREDIT MONITORING
FOR 
SERVICEMEMBERS.— 
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(1) IN
GENERAL.—Subsection (k) of section 
605A (15 U.S.C. 1681c–1(a)) is amended by strik-
ing paragraph (4). 
(2) EFFECTIVE DATE.—This subsection and the 
amendments made by this subsection shall take ef-
fect on the date of the enactment of this Act. 
(b) FREE
CREDIT
MONITORING
AND
IDENTITY 
THEFT
PROTECTION
SERVICES
FOR
CERTAIN
CON-
SUMERS.—Subsection (k) of section 605A (15 U.S.C. 
1681c–1), is amended to read as follows: 
‘‘(k) CREDIT MONITORING AND IDENTITY THEFT 
PROTECTION SERVICES.— 
‘‘(1) IN GENERAL.—Upon the direct request of 
a consumer, a consumer reporting agency described 
in section 603(p) that maintains a file on the con-
sumer and has received appropriate proof of the 
identity of the requester (as described in section 
1022.123 of title 12, Code of Federal Regulations) 
shall provide the consumer with credit monitoring 
and identity theft protection services not later than 
1 business day after receiving such request sent by 
postal mail, toll-free telephone, or secure electronic 
means as established by the agency. 
‘‘(2) FEES.— 
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‘‘(A) CLASSES OF CONSUMERS.—The Bu-
reau may establish classes of consumers eligible 
to receive credit monitoring and identity theft 
protection services free of charge. 
‘‘(B) NO
FEE.—A consumer reporting 
agency described in section 603(p) may not 
charge a consumer a fee to receive credit moni-
toring and identity theft protection services if 
the consumer or a representative of the con-
sumer— 
‘‘(i) 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 unau-
thorized disclosure of the consumer’s fi-
nancial or personally identifiable informa-
tion; 
‘‘(ii) is unemployed and intends to 
apply for employment in the 60-day period 
beginning on the date on which the request 
is made; 
‘‘(iii) is a recipient of public welfare 
assistance; 
‘‘(iv) is an active duty military con-
sumer or a member of the National Guard 
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(as defined in section 101(c) of title 10, 
United States Code); 
‘‘(v) is 65 years of age or older; or 
‘‘(vi) is a member of a class estab-
lished by the Bureau under subparagraph 
(A). 
‘‘(3) BUREAU RULEMAKING.—The Bureau shall 
issue regulations— 
‘‘(A) to define the scope of credit moni-
toring and identity theft protection services re-
quired under this subsection; and 
‘‘(B) to set a fair and reasonable fee that 
a consumer reporting agency may charge a con-
sumer (other than a consumer described under 
paragraph (2)(B)) for such credit monitoring 
and identity theft protection services. 
‘‘(4) RELATION
TO
STATE
LAW.—This sub-
section does not modify or supersede of the laws of 
any State relating to credit monitoring and identity 
theft protection services or other similar actions, ex-
cept to the extent those laws are inconsistent with 
any provision of this title, and then only to the ex-
tent of the inconsistency. For purposes of this sub-
section, a term or provision of a State law is not in-
consistent with the provisions of this subsection if 
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the term or provision affords greater protection to 
the consumer than the protection provided under 
this subsection as determined by the Bureau.’’. 
SEC. 209. ENSURES REMOVAL OF INQUIRIES RESULTING 
FROM IDENTITY THEFT, FRAUD, OR OTHER 
RELATED CRIME FROM CONSUMER REPORTS. 
Section 605(a) of the Fair Credit Reporting Act (15 
U.S.C. 1681c(a)), as amended by section 102, is further 
amended by adding at the end the following: 
‘‘(14) Information about inquiries made for a 
credit report based on requests that the consumer 
reporting agency verifies were initiated as the result 
of identity theft, fraud, or other related crime.’’. 
TITLE III—MISCELLANEOUS 
SEC. 301. DEFINITIONS RELATED TO DAYS. 
Section 603 of the Fair Credit Reporting Act (15 
U.S.C. 1681a) is further amended by adding at the end 
the following: 
‘‘(bb) DEFINITIONS RELATED TO DAYS.— 
‘‘(1) CALENDAR DAY; DAY.—The term ‘calendar 
day’ or ‘day’ means a calendar day, excluding any 
federally recognized holiday. 
‘‘(2) BUSINESS DAY.—The term ‘business day’ 
means a day between and including Monday to Fri-
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day, and excluding any federally recognized holi-
day.’’. 
SEC. 302. TECHNICAL CORRECTION RELATED TO RISK- 
BASED PRICING NOTICES. 
Section 615(h)(8) of the Fair Credit Reporting Act 
(15 U.S.C. 1681m) is amended— 
(1) in subparagraph (A), by striking ‘‘this sec-
tion’’ and inserting ‘‘this subsection’’; and 
(2) in subparagraph (B), by striking ‘‘This sec-
tion’’ and inserting ‘‘This subsection’’. 
SEC. 303. FCRA FINDINGS AND PURPOSE; VOIDS CERTAIN 
CONTRACTS NOT IN THE PUBLIC INTEREST. 
(a) FCRA FINDINGS AND PURPOSE.—Section 602 of 
the Fair Credit Reporting Act (15 U.S.C. 1681(a)) is 
amended— 
(1) in subsection (a)— 
(A) by amending paragraph (1) to read as 
follows: 
‘‘(1) Many financial and non-financial decisions 
affecting consumers’ lives depend upon fair, com-
plete, and accurate credit reporting. Inaccurate and 
incomplete credit reports directly impair the effi-
ciency of the financial system and undermine the in-
tegrity of using credit reports in other cir-
cumstances, and unfair credit reporting and credit 
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