[Congressional Bills 118th Congress]
[From the U.S. Government Publishing Office]
[S. 4455 Introduced in Senate (IS)]

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118th CONGRESS
  2d Session
                                S. 4455

 To amend the Fair Credit Reporting Act to prohibit consumer reporting 
 agencies from furnishing consumer reports containing adverse items of 
  information about a consumer that resulted from that consumer being 
    unlawfully or wrongfully detained abroad or held hostage abroad.


_______________________________________________________________________


                   IN THE SENATE OF THE UNITED STATES

                              June 4, 2024

 Mr. Coons (for himself and Mr. Tillis) 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 prohibit consumer reporting 
 agencies from furnishing consumer reports containing adverse items of 
  information about a consumer that resulted from that consumer being 
    unlawfully or wrongfully detained abroad or held hostage abroad.

    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 ``Fair Credit for American Hostages 
Act''.

SEC. 2. ADVERSE INFORMATION ABOUT CONSUMERS UNLAWFULLY OR WRONGFULLY 
              DETAINED ABROAD OR HELD HOSTAGE ABROAD.

    (a) In General.--The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended by inserting after section 605C the following:
``Sec. 605D. Adverse information about consumers unlawfully or 
              wrongfully detained abroad or held hostage abroad
    ``(a) Definitions.--In this section:
            ``(1) Covered consumer.--The term `covered consumer' means 
        an individual who has been--
                    ``(A) a United States national unlawfully or 
                wrongfully detained abroad, as determined under section 
                302(a) of the Robert Levinson Hostage Recovery and 
                Hostage-Taking Accountability Act (22 U.S.C. 1741(a)); 
                or
                    ``(B) a United States national taken hostage 
                abroad, as determined by the Hostage Recovery Fusion 
                Cell (as described in section 304 of the Robert 
                Levinson Hostage Recovery and Hostage-Taking 
                Accountability Act (22 U.S.C. 1741b).
            ``(2) Detention or hostage documentation.--The term 
        `detention or hostage documentation' means--
                    ``(A) documentation of a determination that a 
                consumer is a covered consumer, including the time 
                period during which the consumer was a covered consumer 
                made by a Federal entity; and
                    ``(B) documentation that identifies items of 
                adverse information that should not be furnished by a 
                consumer reporting agency because the items were about 
                a consumer during the time period the consumer was a 
                covered consumer.
    ``(b) Adverse Information.--A consumer reporting agency may not 
furnish a consumer report containing any adverse item of information 
about a covered consumer if the covered consumer has provided detention 
or hostage documentation to the consumer reporting agency.
    ``(c) Rulemaking.--
            ``(1) In general.--Not later than 180 days after the date 
        of the enactment of this section, the Director shall issue 
        rules to implement subsection (a).
            ``(2) Contents.--The rules issued pursuant to paragraph (1) 
        shall establish a method by which consumers or legal 
        representatives of consumers shall submit detention or hostage 
        documentation to consumer reporting agencies.''.
    (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 605C the following:

``605D. Adverse information about consumers unlawfully or wrongfully 
                            detained abroad or held hostage abroad.''.
    (c) Application.--The amendments made by this section shall apply 
on the date that is 30 days after the date on which the Director of the 
Bureau of Consumer Financial Protection issues a rule pursuant to 
section 605D(c) of the Fair Credit Reporting Act, as added by 
subsection (a) of this section. Any rule issued by the Director to 
implement such section 605D shall be limited to preventing a consumer 
reporting agency from furnishing a consumer report containing any 
adverse item of information about a covered consumer (as such terms are 
defined, respectively, in section 603 the Fair Credit Reporting Act (15 
U.S.C. 1681a)).
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