[Congressional Bills 106th Congress]
[From the U.S. Government Publishing Office]
[H.R. 1015 Introduced in House (IH)]







106th CONGRESS
  1st Session
                                H. R. 1015

To amend the Fair Credit Reporting Act to allow any consumer to receive 
   a free credit report annually from any consumer reporting agency.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                             March 4, 1999

 Ms. Roybal-Allard (for herself, Mr. Shows, Ms. Schakowsky, Mr. Frost, 
 Mr. Frank of Massachusetts, Mr. Pastor, Mr. Brown of California, Mr. 
 Wynn, Ms. Lee, Mr. Stark, Mr. Kleczka, and Mr. Filner) introduced the 
  following bill; which was referred to the Committee on Banking and 
                           Financial Services

_______________________________________________________________________

                                 A BILL


 
To amend the Fair Credit Reporting Act to allow any consumer to receive 
   a free credit report annually from any consumer reporting agency.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    (a) In General.--This Act may be cited as the ``Consumer Credit 
Report Accuracy and Privacy Act of 1999''.

SEC. 2. FREE CREDIT REPORT ANNUALLY UPON REQUEST OF CONSUMER.

    Section 612 of the Fair Credit Reporting Act (15 U.S.C. 1681j) is 
amended--
            (1) by redesignating subsections (c) and (d) as subsections 
        (d) and (e), respectively; and
            (2) by inserting after subsection (b) the following new 
        subsection:
    ``(c) Free Credit Report Annually Upon Request of Consumer.--Upon 
the request of any consumer, any consumer reporting agency shall make 
all disclosures pursuant to section 609 without charge to such consumer 
at least once each calendar year.''.
    (b) Technical and Conforming Amendment.--Section 612(a)(1) of the 
Fair Credit Reporting Act (15 U.S.C. 1681j(a)(1)) is amended by 
striking ``(c), and (d)'' and inserting ``(c), (d), and (e)''.
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