[House Prints 116-47]
[From the U.S. Government Publishing Office]



G:\CMTE\RU\16\RCP\RCP_HR3621.XML 






                     JANUARY 16, 2020 
 
                RULES COMMITTEE PRINT 116-47 
                
          TEXT OF H.R. 3621, COMPREHENSIVE CREDIT 
          
                        ACT OF 2020 
                        
      [Showing the text of H.R. 3621, H.R. 3614, H.R. 3618, 
         H.R. 3622, H.R. 3629, and H.R. 3642, as reported by 
         the Committee on Financial Services, with 
         modifications.] 
         

1 SECTION 1. SHORT TITLE. 

2 This Act may be cited as the "Comprehensive Credit 

3 Reporting Enhancement, Disclosure, Innovation, and 

4 Transparency Act of 2020" or the "Comprehensive 

5 CREDIT Act of 2020". 

6 SEC. 2. TABLE OF CONTENTS. 

7 The table of contents for this Act is as follows: 

Sec. 1. Short title. 
Sec. 2. Table of contents. 
Sec. 3. Findings. 
Sec. 4. Effective date. 
Sec. 5. Rulemaking. 
Sec. 6. Discretionary surplus fund. 

           TITLE I--IMPROVEMENTS TO THE DISPUTE PROCESS 
           
Sec. 101. Dispute procedures and disclosures relating to reinvestigations. 
Sec. 102. Consumer awareness of dispute rights. 
Sec. 103. Maintenance of records by furnishers. 
Sec. 104. Duties of furnishers relating to dispute procedures, notices, and dis-
             closures. 
Sec. 105. Right to appeal disputes relating to reinvestigations and investiga-
             tions. 
Sec. 106. Revised consumer reports. 
Sec. 107. Indication of dispute by consumers and use of disputed information. 
Sec. 108. Accuracy and completeness report duties for consumer reporting 
             agencies and furnishers. 
Sec. 109. Inclusion of public record data sources in consumer reports. 
Sec. 110. Injunctive relief for victims. 



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January 16, 2020 (12:59 p.m.) 

[TEXT NOT AVAILABLE]