[Congressional Bills 114th Congress]
[From the U.S. Government Publishing Office]
[S. 2355 Introduced in Senate (IS)]

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114th CONGRESS
  1st Session
                                S. 2355

  To amend the Fair Credit Reporting Act to clarify Federal law with 
 respect to reporting certain positive consumer credit information to 
          consumer reporting agencies, and for other purposes.


_______________________________________________________________________


                   IN THE SENATE OF THE UNITED STATES

                            December 3, 2015

 Mr. Kirk (for himself and Mr. Manchin) introduced the following bill; 
which was read twice and referred to the Committee on Banking, Housing, 
                           and Urban Affairs

_______________________________________________________________________

                                 A BILL


 
  To amend the Fair Credit Reporting Act to clarify Federal law with 
 respect to reporting certain positive consumer credit information to 
          consumer reporting agencies, and for other purposes.

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

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Credit Access and Inclusion Act of 
2015''.

SEC. 2. POSITIVE CREDIT REPORTING PERMITTED.

    Section 623 of the Fair Credit Reporting Act (15 U.S.C. 1681s-2) is 
amended--
            (1) in subsection (c)(1), by striking ``subsection (a)'' 
        and inserting ``subsection (a) or (f)''; and
            (2) by adding at the end the following:
    ``(f) Full-File Credit Reporting.--
            ``(1) Definitions.--In this subsection:
                    ``(A) Energy utility firm.--The term `energy 
                utility firm' means an entity that provides gas or 
                electric utility services to the public.
                    ``(B) Utility or telecommunication firm.--The term 
                `utility or telecommunication firm' means an entity 
                that provides utility services to the public through 
                pipe, wire, landline, wireless, cable, or other 
                connected facilities, or radio, electronic, or similar 
                transmission (including the extension of such 
                facilities).
            ``(2) Furnishing of information.--Subject to the limitation 
        in paragraph (3) and notwithstanding any other provision of 
        law, a person or the Secretary of Housing and Urban Development 
        may furnish to a consumer reporting agency information relating 
        to the performance of a consumer in making payments--
                    ``(A) under a lease agreement with respect to a 
                dwelling, including a lease in which the Department of 
                Housing and Urban Development provides subsidized 
                payments for occupancy in a dwelling; or
                    ``(B) pursuant to a contract for a utility or 
                telecommunications service.
            ``(3) Limitation.--Information about the usage of a 
        consumer of any utility services provided by a utility or 
        telecommunication firm may be furnished to a consumer reporting 
        agency only to the extent that the information relates to 
        payment by the consumer for the services of the utility or 
        telecommunication service or other terms of the provision of 
        the services to the consumer, including any deposit, discount, 
        or conditions for interruption or termination of the services.
            ``(4) Payment plan.--An energy utility firm may not report 
        payment information to a consumer reporting agency with respect 
        to an outstanding balance of a consumer as late if--
                    ``(A) the energy utility firm and the consumer have 
                entered into a payment plan (including a deferred 
                payment agreement, an arrearage management program, or 
                a debt forgiveness program) with respect to such 
                outstanding balance; and
                    ``(B) the consumer is meeting the obligations of 
                the payment plan, as determined by the energy utility 
                firm.''.
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