nisher regarding the furnishing of accurate 
and complete information; 
‘‘(ii) sharing industry best practices 
and procedures regarding accuracy and 
completeness; or 
‘‘(iii) temporarily prohibiting a fur-
nisher from providing information to a 
consumer reporting agency.’’. 
SEC. 109. INCLUSION OF PUBLIC RECORD DATA SOURCES 
IN CONSUMER REPORTS. 
Section 605(d) of the Fair Credit Reporting Act (15 
U.S.C. 1681c(d)) is amended by adding at the end the 
following: 
‘‘(3) PUBLIC RECORD DATA SOURCE.—Any con-
sumer reporting agency that furnishes a consumer 
report that contains public record data shall also in-
clude in such report the source from which that data 
was obtained, including the particular court, if any, 
and the date that the data was initially reported or 
publicized.’’. 
SEC. 110. INJUNCTIVE RELIEF FOR VICTIMS. 
(a) IN GENERAL.—The Fair Credit Reporting Act 
(15 U.S.C. 1681 et seq.) is amended— 
(1) in section 616— 
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(A) in subsection (a), by amending the 
subsection heading to read as follows: ‘‘DAM-
AGES’’; 
(B) by redesignating subsections (c) and 
(d) as subsections (d) and (e), respectively; and 
(C) by inserting after subsection (b) the 
following new subsection: 
‘‘(c) INJUNCTIVE RELIEF.—In addition to any other 
remedy set forth in this section, a court may award injunc-
tive relief to require compliance with the requirements im-
posed under this title with respect to any consumer. In 
the event of any successful action for injunctive relief 
under this subsection, the court may award to the pre-
vailing party costs and reasonable attorney fees (as deter-
mined by the court) incurred during the action by such 
party.’’; and 
(2) in section 617— 
(A) in subsection (a), by amending the 
subsection heading to read as follows: ‘‘DAM-
AGES’’; 
(B) by redesignating subsection (b) as sub-
section (c); and 
(C) by inserting after subsection (a) the 
following new subsection: 
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‘‘(b) INJUNCTIVE RELIEF.—In addition to any other 
remedy set forth in this section, a court may award injunc-
tive relief to require compliance with the requirements im-
posed under this title with respect to any consumer. In 
the event of any successful action for injunctive relief 
under this subsection, the court may award to the pre-
vailing party costs and reasonable attorney fees (as deter-
mined by the court) incurred during the action by such 
party.’’. 
(b) ENFORCEMENT BY FEDERAL TRADE COMMIS-
SION.—Section 621(a)(2)(A) of the Fair Credit Reporting 
Act (15 U.S.C. 1681s(a)(2)(A)) is amended— 
(1) by amending the subparagraph heading to 
read as follows: ‘‘NEGLIGENT, WILLFUL, OR KNOW-
ING VIOLATIONS’’; and 
(2) by inserting ‘‘negligent, willful, or’’ before 
‘‘knowing’’. 
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TITLE II—PROHIBITION ON MIS-
LEADING AND UNFAIR CON-
SUMER 
REPORTING 
PRAC-
TICES 
SEC. 201. PROHIBITION ON AUTOMATIC RENEWALS FOR 
PROMOTIONAL CONSUMER REPORTING AND 
CREDIT SCORING PRODUCTS AND SERVICES. 
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. Promotional periods 
‘‘(a) TERMINATION NOTICE.—With respect to any 
product or service related to a consumer report or a credit 
score that is provided to a consumer under promotional 
terms, the seller or provider of such product or service 
shall provide clear and conspicuous notice to the consumer 
within a reasonable period of time before the promotional 
period ends. 
‘‘(b) OPT-IN.—With respect to any such product or 
service, the seller or provider may not continue to sell or 
provide such product or service to the consumer after the 
end of the promotional period unless the consumer specifi-
cally agrees at the end of the promotional period to con-
tinue receiving the product or service.’’; and 
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(2) in the table of contents for such Act, by in-
serting after the item relating to section 629 the fol-
lowing new item: 
‘‘630. Promotional periods.’’. 
SEC. 202. PROHIBITION ON MISLEADING AND DECEPTIVE 
MARKETING RELATED TO THE PROVISION OF 
CONSUMER REPORTING AND CREDIT SCOR-
ING PRODUCTS AND SERVICES. 
Section 609 of the Fair Credit Reporting Act (15 
U.S.C. 1681g) is amended— 
(1) in subsection (a)— 
(A) in paragraph (1)— 
(i) by striking ‘‘request, except’’ and 
all that follows through ‘‘consumer to 
whom’’ and inserting ‘‘request, unless the 
consumer to whom’’; 
(ii) by striking ‘‘disclosure; and’’ and 
inserting ‘‘disclosure.’’; and 
(iii) by striking subparagraph (B); 
and 
(B) in paragraph (6), by inserting ‘‘or edu-
cational credit score (if applicable) under sub-
section (f) or section 612’’ before the period at 
the end; and 
(2) by adding at the end the following new sub-
section: 
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‘‘(h) DISCLOSURES ON PRODUCTS AND SERVICES.— 
The Bureau, in consultation with the Federal Trade Com-
mission, shall issue regulations within 18 months of the 
date of the enactment of this subsection requiring each 
consumer reporting agency and reseller to clearly and con-
spicuously disclose all material terms and conditions, in-
cluding any fee and pricing information associated with 
any products or services offered, advertised, marketed, or 
sold to consumers by the agency or reseller. Such disclo-
sures shall be made in all forms of communication to con-
sumers and displayed prominently on the agency or re-
seller’s website and all other locations where products or 
services are offered, advertised, marketed, or sold to con-
sumers.’’. 
SEC. 203. PROHIBITION ON EXCESSIVE DIRECT-TO-CON-
SUMER SALES. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.), as amended by section 201, is further amended— 
(1) by adding at the end the following new sec-
tion: 
‘‘§ 631. Fair and reasonable fees for products and 
services 
‘‘The Bureau may, with respect to any product or 
service offered by a consumer reporting agency to a con-
sumer, set a fair and reasonable maximum fee that may 
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be charged for such product or service, except where such 
maximum fee is otherwise provided under this title.’’; and 
(2) in the table of contents for such Act, as 
amended by section 201, by adding at the end the 
following new item: 
‘‘631. Fair and reasonable fees for products and services.’’. 
SEC. 204. FAIR ACCESS TO CONSUMER REPORTING AND 
CREDIT SCORING DISCLOSURES FOR NON-
NATIVE ENGLISH SPEAKERS AND THE VIS-
UALLY AND HEARING IMPAIRED. 
The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.), as amended by section 203, is further amended— 
(1) by adding at the end the following new sec-
tion: 
‘‘§ 632. Fair access to information for nonnative 
English speakers and the visually and 
hearing impaired 
‘‘(a) IN GENERAL.—Not later than 180 days after 
the date of the enactment of this section, the Bureau shall 
issue a rule to require consumer reporting agencies and 
persons who furnish information to consumer reporting 
agencies under this title, to the maximum extent reason-
ably practicable— 
‘‘(1) to provide any information, disclosures, or 
other communication with consumers— 
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‘‘(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: 
‘‘(i) 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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