[Congressional Record Volume 170, Number 114 (Wednesday, July 10, 2024)]
[Senate]
[Page S4398]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]

  SA 2156. Mr. COONS submitted an amendment intended to be proposed by 
him to the bill S. 4638, to authorize appropriations for fiscal year 
2025 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 appropriate place, insert the following:

     SEC. _____. 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)).
                                 ______