3.0.0 4672 2023-01-11T13:26:28Z 2023-01-11T13:26:28Z House H HR 2014-05-19 113 From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Ms. LINDA T. SANCHEZ of California:H.R. 4672.Congress has the power to enact this legislation pursuantto the following:Article One of the United States Constitution, section 8,clause 18:The Congress shall have Power--To make all Laws which shallbe necessary and proper for carrying into Execution theforegoing Powers, and all other Powers vested by thisConstitution in the Government of the United States, or inany Department or Officer thereofOrArticle One of the United States Constitution, Section 8,Clause 3:The Congress shall have Power--To regulate Commerce withforeign Nations, and among the several States, and with theIndian tribes;[Page H4475]]]> hsba00 Financial Services Committee House Standing Referred to 2014-05-19T16:00:35Z A bill to amend the Fair Credit Reporting Act to provide protections for active duty military consumers, and for other purposes. 113 2456 S 2014-06-10 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS 2014-05-19 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2014-05-19 Introduced in House IntroReferral Intro-H 9 Library of Congress 2014-05-19 Introduced in House IntroReferral 1000 9 Library of Congress S001156 Rep. Sánchez, Linda T. [D-CA-38] Linda Sánchez D CA T. 38 N L000564 Rep. Lamborn, Doug [R-CO-5] Doug Lamborn R CO 5 2014-05-19 True F000030 Rep. Farr, Sam [D-CA-20] SAM FARR D CA 20 2014-05-22 False S001185 Rep. Sewell, Terri A. [D-AL-7] Terri Sewell D AL A. 7 2014-12-11 False L000559 Rep. Langevin, James R. [D-RI-2] JAMES LANGEVIN D RI R. 2 2014-12-11 False Finance and Financial Sector Consumer affairs Consumer credit Military personnel and dependents Finance and Financial Sector 00 2014-05-19 Introduced in House 2014-07-23T20:32:41Z Amends the Fair Credit Reporting Act with respect to an item of adverse information about an active duty military consumer.

Declares that, if the action or inaction that gave rise to the item occurred while the consumer was an active duty military consumer, then: (1) the consumer may provide appropriate proof, including official orders, to a consumer reporting agency that the consumer was an active duty military consumer at the time the action or inaction occurred; and (2) any consumer report made by the agency including that item of information shall clearly and conspicuously disclose that the consumer was an active duty military consumer when the action or inaction that gave rise to the item occurred.

Requires a consumer reporting agency to notify promptly an active duty military consumer whenever it receives an item of adverse information about him or her, along with a description of the item and the method by which the consumer can dispute the validity of the item.

Requires an agency also to use any separate contact information an active duty military consumer has given it for all communications while the individual is an active duty military consumer.

Declares the sense of Congress that any person making use of a consumer report containing an item of adverse information that occurred while the consumer was an active duty military consumer should take that fact into account when evaluating the consumer's creditworthiness.

Requires a consumer reporting agency, with respect to an item of information under dispute by an active duty military consumer, to include in the consumer's file that he or she was an active duty military consumer at the time the action or inaction that gave rise to the disputed item occurred.

]]> To amend the Fair Credit Reporting Act to provide protections for active duty military consumers, and for other purposes. Display Title To amend the Fair Credit Reporting Act to provide protections for active duty military consumers, and for other purposes. Official Title as Introduced To amend the Fair Credit Reporting Act to provide protections for active duty military consumers, and for other purposes. Introduced in House IH Introduced in House 2014-05-19T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-113hr4672ih/xml/BILLS-113hr4672ih.xml 2014-05-19 Referred to the House Committee on Financial Services. text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. Congressional Research Service, Library of Congress This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.