[Congressional Record Volume 163, Number 148 (Wednesday, September 13, 2017)]
[Senate]
[Page S5701]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]

  SA 1053. Mr. BROWN submitted an amendment intended to be proposed by 
him to the bill H.R. 2810, to authorize appropriations for fiscal year 
2018 for military activities of the Department of Defense, for military 
construction, and for defense activities of the Department of Energy, 
to prescribe military personnel strengths for such fiscal year, and for 
other purposes; which was ordered to lie on the table; as follows:

       At the end of subtitle __ of title __, add the following:

     SEC. ____. PROTECTION OF CREDIT INFORMATION OF 
                   SERVICEMEMBERS.

       (a) In General.--Title II of the Servicemembers Civil 
     Relief Act (50 U.S.C. 3931 et seq.) is amended by adding at 
     the end the following:

     ``SEC. 209. PROTECTION OF CREDIT INFORMATION OF 
                   SERVICEMEMBERS.

       ``(a) Definitions.--In this section--
       ``(1) the terms `consumer reporting agency' and `file' have 
     the meanings given those terms in section 603 of the Fair 
     Credit Reporting Act (15 U.S.C. 1681a);
       ``(2) the term `covered consumer reporting agency' means a 
     consumer reporting agency that maintained a file on a 
     servicemember whose personally identifiable information--
       ``(A) was in the file; and
       ``(B) was accessed in a manner not authorized by law; and
       ``(3) `covered servicemember' means a servicemember whose 
     personally identifiable information--
       ``(A) was in a file maintained by a consumer reporting 
     agency; and
       ``(B) was accessed in a manner not authorized by law.
       ``(b) Convenient, Cost-free Credit Freeze for 
     Servicemembers.--A consumer reporting agency shall provide to 
     each servicemember a convenient, cost-free method to prohibit 
     all consumer reporting agencies from releasing any 
     information in the file of the servicemember for the purpose 
     of the marketing or extension of credit or opening of any 
     financial account without the express authorization of the 
     servicemember.
       ``(c) Required Notification.--
       ``(1) Initial notification.--Not later than 10 days after 
     the date on which a covered consumer reporting agency 
     discovers that the personally identifiable information of a 
     covered servicemember in a file maintained by the consumer 
     reporting agency has been accessed in a manner not authorized 
     by law, the covered consumer reporting agency shall notify 
     the covered servicemember of the unauthorized access, 
     including a detailed description of what information was 
     accessed.
       ``(2) Annual notification.--A covered consumer reporting 
     agency shall submit to the covered servicemember annually the 
     notification described in that paragraph (1) for a 10-year 
     period beginning on the date on which the covered consumer 
     reporting agency discovers the unauthorized access.
       ``(d) Reimbursement for Credit Monitoring.--A covered 
     consumer reporting agency shall reimburse a covered 
     servicemember the cost of 10 years of a credit monitoring and 
     identity theft product chosen by the covered servicemember.
       ``(e) Regulations.--Not later than 1 year after the date of 
     enactment of this section, the Bureau of Consumer Financial 
     Protection shall promulgate regulations carrying out this 
     section, including the method and content of the 
     notifications required under subsection (c).
       ``(f) Applicability.--This section shall apply to any 
     personally identifiable information accessed in a manner not 
     authorized by law on or after January 1, 2017.''.
       (b) Technical and Conforming Amendment.--The table of 
     contents of the Servicemembers Civil Relief Act (50 U.S.C. 
     3901) is amended by inserting after the item relating to 
     section 208 the following:

``Sec. 209. Protection of credit information of servicemembers.''.
                                 ______