[House Report 116-383]
[From the U.S. Government Publishing Office]


116th Congress    }                                    {        Report
                        HOUSE OF REPRESENTATIVES
 2d Session       }                                    {       116-383

======================================================================

 
 PROVIDING FOR CONSIDERATION OF THE BILL (H.R. 3621) TO AMEND THE FAIR 
    CREDIT REPORTING ACT TO REMOVE ADVERSE INFORMATION FOR CERTAIN 
     DEFAULTED OR DELINQUENT PRIVATE EDUCATION LOAN BORROWERS WHO 
 DEMONSTRATE A HISTORY OF LOAN REPAYMENT, AND FOR OTHER PURPOSES, AND 
 PROVIDING FOR CONSIDERATION OF THE SENATE AMENDMENT TO THE BILL (H.R. 
 550) TO AWARD A CONGRESSIONAL GOLD MEDAL, COLLECTIVELY, TO THE UNITED 
   STATES MERCHANT MARINERS OF WORLD WAR II, IN RECOGNITION OF THEIR 
            DEDICATED AND VITAL SERVICE DURING WORLD WAR II

                                _______
                                

  January 27, 2020.--Referred to the House Calendar and ordered to be 
                                printed

                                _______
                                

               Mr. Raskin, from the Committee on Rules, 
                        submitted the following

                              R E P O R T

                       [To accompany H. Res. 811]

    The Committee on Rules, having had under consideration 
House Resolution 811, by a record vote of 8 to 4, report the 
same to the House with the recommendation that the resolution 
be adopted.

                SUMMARY OF PROVISIONS OF THE RESOLUTION

    The resolution provides for consideration of H.R. 3621, the 
Student Borrower Credit Improvement Act, under a structured 
rule. The resolution provides one hour of general debate 
equally divided and controlled by the chair and ranking 
minority member of the Committee on Financial Services. The 
resolution waives all points of order against consideration of 
the bill. The resolution provides that an amendment in the 
nature of a substitute consisting of the text of Rules 
Committee Print 116-47, modified by the amendment printed in 
Part A of the Rules Committee report, shall be considered as 
adopted and the bill, as amended, shall be considered as read. 
The resolution waives all points of order against provisions in 
the bill, as amended. The resolution makes in order only those 
further amendments printed in Part B of this report. Each such 
amendment may be offered only in the order printed in this 
report, may be offered only by a Member designated in this 
report, shall be considered as read, shall be debatable for the 
time specified in this report equally divided and controlled by 
the proponent and an opponent, shall not be subject to 
amendment, and shall not be subject to a demand for division of 
the question in the House or in the Committee of the Whole. The 
resolution waives all points of order against the amendments 
printed in Part B of this report. The resolution provides one 
motion to recommit with or without instructions. The resolution 
provides for the consideration of the Senate amendment to H.R. 
550. The resolution makes in order a motion offered by the 
chair of the Committee on Foreign Affairs or his designee that 
the House concur in the Senate amendment with two House 
amendments:
     Amendment #1 consisting of the text of Rules 
Committee Print 116-48 (No War Against Iran Act).
     Amendment #2 consisting of the text of Rules 
Committee Print 116-49 (To repeal the Authorization for Use of 
Military Force Against Iraq Resolution of 2002).
    The resolution provides one hour of debate on each House 
amendment, equally divided and controlled by the chair and 
ranking minority member of the Committee on Foreign Affairs. 
The resolution waives all points of order against consideration 
of the motion and provides that the Senate amendment and the 
motion shall be considered as read. The resolution provides 
that the question shall be divided between the two House 
amendments and no further division of the question is in order. 
The resolution provides that the divided question shall be 
considered in the order specified by the chair. The resolution 
provides that if only one amendment is adopted, that amendment 
shall be engrossed as an amendment in the nature of a 
substitute to the Senate amendment to H.R. 550.

                         EXPLANATION OF WAIVERS

    The waiver of all points of order against consideration of 
H.R. 3621 includes waivers of the following:
     Clause 10 of rule XXI, which prohibits 
consideration of a measure that has a net effect of increasing 
the deficit or reducing the surplus over the five- or 10-year 
period; however, the budgetary effects of the bill are fully 
offset over the 10-year period.
     Clause 12(a)(1) of rule XXI, which prohibits 
consideration of a bill unless there is a searchable electronic 
comparative print that shows how the bill proposes to change 
current law.
     Clause 12(b) of rule XXI, which prohibits 
consideration of a bill unless there is a searchable electronic 
comparative print that shows how the text of the bill as 
proposed to be considered differs from the text of the bill as 
reported.
     Section 302(f) of the Congressional Budget Act, 
which prohibits consideration of legislation providing new 
budget authority in excess of a 302(a) or 302(b) allocation of 
such authority.
     Section 311 of the Congressional Budget Act, which 
prohibits consideration of legislation that would cause the 
level of total new budget authority for the first fiscal year 
to be exceeded, or would cause revenues to be less than the 
level of total revenues for the first fiscal year or for the 
total of that first fiscal year and the ensuing fiscal years 
for which allocations are provided, except when a declaration 
of war by the Congress is in effect.
    Although the resolution waives all points of order against 
provisions in H.R. 3621, as amended, the Committee is not aware 
of any points of order. The waiver of all points of order 
prophylactic in nature.
    Although the resolution waives all points of order against 
the amendments printed in Part B of this report, the Committee 
is not aware of any points of order. The waiver of all points 
of order prophylactic in nature.
    The waiver of all points of order against consideration of 
the motion to concur in the Senate amendment includes a waiver 
of clause 7 of rule XVI, which requires that no motion or 
proposition on a subject different from that under 
consideration shall be admitted under color of amendment.

                            COMMITTEE VOTES

    The results of each record vote on an amendment or motion 
to report, together with the names of those voting for and 
against, are printed below:

Rules Committee record vote No. 235

    Motion by Mr. Cole to provide an open rule for H.R. 3621 
and the Senate Amendment to H.R. 550. Defeated: 4-8

----------------------------------------------------------------------------------------------------------------
                Majority Members                      Vote               Minority Members               Vote
----------------------------------------------------------------------------------------------------------------
Mr. Hastings....................................  ............  Mr. Cole..........................          Yea
Mrs. Torres.....................................          Nay   Mr. Woodall.......................          Yea
Mr. Perlmutter..................................          Nay   Mr. Burgess.......................          Yea
Mr. Raskin......................................          Nay   Mrs. Lesko........................          Yea
Ms. Scanlon.....................................          Nay
Mr. Morelle.....................................          Nay
Ms. Shalala.....................................          Nay
Mr. DeSaulnier..................................          Nay
Mr. McGovern, Chairman..........................          Nay
----------------------------------------------------------------------------------------------------------------

Rules Committee record vote No. 236

    Motion by Mr. Cole to make in order amendment #1 to the 
Senate amendment to H.R. 550 offered by Mr. Cole (OK). The 
amendment expands the list of exceptions for the use of force 
to include defense against an imminent threat against the 
United States or against a catastrophic attack against the 
State of Israel. Defeated: 4-8

----------------------------------------------------------------------------------------------------------------
                Majority Members                      Vote               Minority Members               Vote
----------------------------------------------------------------------------------------------------------------
Mr. Hastings....................................  ............  Mr. Cole..........................          Yea
Mrs. Torres.....................................          Nay   Mr. Woodall.......................          Yea
Mr. Perlmutter..................................          Nay   Mr. Burgess.......................          Yea
Mr. Raskin......................................          Nay   Mrs. Lesko........................          Yea
Ms. Scanlon.....................................          Nay
Mr. Morelle.....................................          Nay
Ms. Shalala.....................................          Nay
Mr. DeSaulnier..................................          Nay
Mr. McGovern, Chairman..........................          Nay
----------------------------------------------------------------------------------------------------------------

Rules Committee record vote No. 237

    Motion by Mr. Woodall to amend the rule to provide one 
motion to recommit with or without instructions to the Senate 
Amendment to H.R. 550 and make the necessary changes in the 
rule. Defeated: 4-8

----------------------------------------------------------------------------------------------------------------
                Majority Members                      Vote               Minority Members               Vote
----------------------------------------------------------------------------------------------------------------
Mr. Hastings....................................  ............  Mr. Cole..........................          Yea
Mrs. Torres.....................................          Nay   Mr. Woodall.......................          Yea
Mr. Perlmutter..................................          Nay   Mr. Burgess.......................          Yea
Mr. Raskin......................................          Nay   Mrs. Lesko........................          Yea
Ms. Scanlon.....................................          Nay
Mr. Morelle.....................................          Nay
Ms. Shalala.....................................          Nay
Mr. DeSaulnier..................................          Nay
Mr. McGovern, Chairman..........................          Nay
----------------------------------------------------------------------------------------------------------------

Rules Committee record vote No. 238

    Motion by Mr. Raskin to report the rule. Adopted: 8-4

----------------------------------------------------------------------------------------------------------------
                Majority Members                      Vote               Minority Members               Vote
----------------------------------------------------------------------------------------------------------------
Mr. Hastings....................................  ............  Mr. Cole..........................          Nay
Mrs. Torres.....................................          Yea   Mr. Woodall.......................          Nay
Mr. Perlmutter..................................          Yea   Mr. Burgess.......................          Nay
Mr. Raskin......................................          Yea   Mrs. Lesko........................          Nay
Ms. Scanlon.....................................          Yea
Mr. Morelle.....................................          Yea
Ms. Shalala.....................................          Yea
Mr. DeSaulnier..................................          Yea
Mr. McGovern, Chairman..........................          Yea
----------------------------------------------------------------------------------------------------------------

 SUMMARY OF THE AMENDMENT TO H.R. 3621 IN PART A CONSIDERED AS ADOPTED

    1. Waters (CA): Updates definitions, amends requirements 
for issuance of final rules, includes protections for workers 
affected by a federal shutdown, and makes other technical 
changes.

     SUMMARY OF THE AMENDMENTS TO H.R. 3621 IN PART B MADE IN ORDER

    1. DeSaulnier (CA): Requires the GAO to study how credit 
scores are used in rental housing and mortgage determinations, 
including information on treatment of different demographic 
populations. (10 minutes)
    2. Shalala (FL), Horn (OK): Requires the GAO to study how 
credit scores adversely impacted by a student borrowers 
defaulted or delinquent private education loan further impacts 
applying for future loans, including information on treatment 
of different demographic populations. (10 minutes)
    3. Timmons (SC): Requires GAO to carry out a study of the 
compliance by consumer reporting agencies that compile and 
maintain files on consumers and the impact such compliance has 
on consumers. (10 minutes)
    4. Clay (MO): Clarifies Federal law for reporting certain 
positive consumer credit information to CRAs, and seeks to 
expand access to credit through use of alternative data. (10 
minutes)
    5. Steil (WI), McAdams (UT): Clarifies that a person's 
credit report may be used if the report is obtained in 
connection with a background check or related investigation of 
financial information that is required by a federal, state, or 
local law or regulation. (10 minutes)
    6. Gottheimer (NJ): Stipulates that if a credit scoring 
agency changes their model such that it may negatively impact 
the credit scores for a group of consumers, then the Consumer 
Financial Protection Bureau has the option to review the new 
model and prohibit the change if they find the change is 
inappropriate. (10 minutes)
    7. Kildee (MI): Expands those impacted by major disasters 
and emergencies to include those working in the areas. Also, 
extends the grace period for individuals affected by a major 
disaster or emergency to up to 6 months. (10 minutes)
    8. King, Steve (IA): Amends the date for relief on major 
disaster and emergency declarations to begin on the initial 
date of the incident period of the major disaster or emergency. 
(10 minutes)
    9. Sanchez (CA): Allows for extended active duty uniformed 
consumers, including members of the National Guard, to dispute 
an adverse action or inaction on their credit report that 
occurred while they were in a combat zone or aboard a U.S. 
vessel. If a credit reporting agency has knowledge that the 
consumer was an extended active duty uniformed consumer at the 
time such action or inaction occurred, the credit reporting 
agency would have to promptly notify the consumer and inform 
them how to dispute the adverse information, and includes a 
budgetary offset. (10 minutes)
    10. Cohen (TN): Creates a time period for their credit 
report to change after making the consecutive payments. (10 
minutes)
    11. Cohen (TN): Clarifies that credit reports cannot be 
used solely as the reason for denial of employment. (10 
minutes)
    12. Takano (CA): Prohibits the inclusion of arrest records 
on a consumer report if the consumer was not convicted for the 
arrest. (10 minutes)
    13. Brown (MD): Reaffirms Congressional efforts to enhance 
cybersecurity and implement routine security updates of 
databases maintained by nationwide consumer reporting agencies 
that contain sensitive consumer data as critical to the 
national security of the United States. Additionally, consumer 
reporting agencies will have to meet minimum training and 
ongoing certification requirements as established by the 
Director of The Bureau of Consumer Financial Protection, and 
the amendment includes a budgetary offset. (10 minutes)
    14. Panetta (CA): Adds the term homelessness (as defined by 
the Secretary of Housing and Urban Development) as an unusual 
extenuating life circumstance or event that results in severe 
financial or personal barriers and demonstrates undue hardship. 
(10 minutes)

      PART A--TEXT OF AMENDMENT TO H.R. 3621 CONSIDERED AS ADOPTED

  Page 44, strike lines 9 through 14 (and redesignate the 
subsequent section accordingly).
  Page 110, line 9, strike ``each place that term appears''.
  Page 119, line 13, after ``after'' insert ``the first 
instance of''.
  Page 127, line 18, before ``and'' insert ``each place such 
term appears''.
  Page 145, after line 4, insert the following:
  (c) Medically Necessary Procedure Defined.--Section 603 of 
the Fair Credit Reporting Act (15 U.S.C. 1681a), as amended by 
section 901, is further amended by adding at the end the 
following:
  ``(ee) Medically Necessary Procedure.--The term `medically 
necessary procedure' means--
          ``(1) health care services or supplies needed to 
        diagnose or treat an illness, injury, condition, 
        disease, or its symptoms and that meet accepted 
        standards of medicine; and
          ``(2) health care to prevent illness or detect 
        illness at an early stage, when treatment is likely to 
        work best (including preventive services such as pap 
        tests, flu shots, and screening mammograms).''.
  Page 180, line 4, before the semicolon insert the following: 
``after `7-year period beginning on the date of such 
request'''.
  At the end of title VII, add the following:

SEC. 707. PROTECTION FOR CERTAIN CONSUMERS AFFECTED BY A SHUTDOWN.

  (a) Definition of Employee Affected by a Shutdown.--Section 
603 of the Fair Credit Reporting Act (15 U.S.C. 1681a), as 
amended by section 901, is further amended by adding at the end 
the following:
  ``(ee) Employee Affected by a Shutdown.--With respect to a 
shutdown, the term `employee affected by a shutdown' means a 
consumer who--
          ``(1) is an employee of--
                  ``(A) the Federal Government, and who is 
                furloughed or excepted from a furlough during 
                the shutdown;
                  ``(B) the District of Columbia, and who is 
                furloughed or excepted from a furlough during 
                the shutdown;
                  ``(C) the District of Columbia Courts, and 
                who is furloughed or excepted from a furlough 
                during the shutdown;
                  ``(D) the Public Defender Service for the 
                District of Columbia, and who is furloughed or 
                excepted from a furlough during the shutdown; 
                or
                  ``(E) a Federal contractor (as defined under 
                section 7101 of title 41, United States Code) 
                or other business, and who has experienced a 
                substantial reduction in pay (directly or 
                indirectly) due to the shutdown; and
          ``(2) who--
                  ``(A) is listed in the database established 
                under section 63; or
                  ``(B) has self-certified pursuant to such 
                section.
  ``(ff) Shutdown.--The term `shutdown' means any period in 
which there is more than a 24-hour lapse in appropriations as a 
result of a failure to enact a regular appropriations bill or 
continuing resolution.
  ``(gg) Covered Shutdown Period.--The term `covered shutdown 
period' means, with respect to a shutdown, the period beginning 
on the first day of the shutdown and ending on the date that is 
90 days after the last day of the shutdown.''.
  (b) Exclusion for Employees Affected by a Shutdown.--Section 
605(a) of the Fair Credit Reporting Act (15 U.S.C. 1681c(a)), 
as amended by section 809, is further amended by adding at the 
end the following:
          ``(18) Any adverse item of information with respect 
        to an action or inaction taken during a covered 
        shutdown period by an employee affected by a 
        shutdown.''.
  (c) Amendment to Summary of Rights for Employees Affected by 
a Shutdown.--Section 609(a) of the Fair Credit Reporting Act 
(15 U.S.C. 1681g(a)) is amended by adding at the end the 
following:
          ``(7) Information on the rights of an employee 
        affected by a shutdown, including which consumers may 
        be an employee affected by a shutdown and the process 
        for a consumer to self-certify as an employee affected 
        by a shutdown under section 637.''.
  (d) Database and Self-certification for Employees Affected by 
a Shutdown.--
          (1) In general.--The Fair Credit Reporting Act (15 
        U.S.C. 1681 et seq.), as amended by section 706, is 
        further amended by adding at the end the following new 
        section:

``Sec. 637. Database and self-certification for employees affected by a 
                    shutdown

  ``(a) Database.--
          ``(1) In general.--With respect to each shutdown, the 
        consumer reporting agencies described in section 603(p) 
        shall jointly establish a database that includes 
        employees affected by the shutdown as reported pursuant 
        to paragraph (2).
          ``(2) Contents of database.--
                  ``(A) Furloughed employees and contractors.--
                Each authority of the executive, legislative, 
                or judicial branch of the Federal Government or 
                District of Columbia shall provide to the 
                consumer reporting agencies described in 
                section 603(p) a list identifying--
                          ``(i) employees of such authority 
                        that are furloughed, excepted from 
                        furlough, or not receiving pay because 
                        of a shutdown; and
                          ``(ii) to the extent practicable, 
                        employees of contractors of such 
                        authority.
                  ``(B) Self-certified consumers.--A consumer 
                that self-certifies as an employee affected by 
                a shutdown pursuant to subsection (b) shall be 
                included in the database, unless the Bureau 
                determines such consumer is not an employee 
                affected by a shutdown.
          ``(3) Access to database.--The consumer reporting 
        agencies described in section 603(p) shall make the 
        database established under this subsection available to 
        the Bureau, other consumer reporting agencies, 
        furnishers of information to consumer reporting 
        agencies, and users of consumer reports. A consumer 
        reporting agency described in section 603(x) shall 
        periodically access the database to confirm the 
        accuracy of information such an agency has that 
        identifies a consumer as an employee affected by a 
        shutdown.
  ``(b) Self-Certification Process.--A consumer shall be deemed 
to be an employee affected by a shutdown if such consumer self-
certifies through--
          ``(1) the website established under subsection (c); 
        or
          ``(2) a toll-free telephone number established by a 
        consumer reporting agency.
  ``(c) Website.--The consumer reporting agencies described in 
section 603(p) shall jointly establish a website for a consumer 
to self-certify as an employee affected by a shutdown. Such 
website may not include any advertisement or other 
solicitation.
  ``(d) Opt-out.--The consumer reporting agencies described in 
section 603(p) shall provided a process through the website 
described under subsection (c) for consumers to opt-out of 
having their name included in the database established under 
this section.''.
          (2) Table of contents amendment.--The table of 
        contents of the Fair Credit Reporting Act, as amended 
        by section 706, is further amended by adding at the end 
        the following new item:

``637. Database and self-certification for employees affected by a 
          shutdown.''.

  (e) Prohibition on Adverse Actions Against Employees Affected 
by a Shutdown.--Section 604 of the Fair Credit Reporting Act 
(15 U.S.C. 1681b) is amended by adding at the end the 
following:
  ``(h) Prohibition on Adverse Actions Against Employees 
Affected by a Shutdown.--If a user of a consumer report knows 
that a consumer is an employee affected by a shutdown, such 
user may not take an adverse action based on--
          ``(1) any adverse item of information contained in 
        such report with respect to an action or inaction taken 
        during a covered shutdown period by the employee; or
          ``(2) information on the consumer included in the 
        database established under section 637.''.
  (f) Bureau Regulations or Guidance.--Not later than 30 days 
after the date of the enactment of this Act, the Director of 
the Bureau of Consumer Financial Protection shall issue rules 
or guidance, as appropriate, to carry out the requirements of 
this Act.
  Page 175, line 8, strike ``Paragraph'' and insert the 
following:
  (a) In General.--Paragraph
  Page 176, after line 10, insert the following:
  (b) Rulemaking.--Not later than the end of the 2-year period 
beginning on the date of enactment of this Act, the Director of 
the Bureau of Consumer Financial Protection shall issue final 
rules to carry out the amendment made by subsection (a).
  Page 193, after line 12, insert the following:
  (c) Rulemaking.--Not later than the end of the 2-year period 
beginning on the date of enactment of this Act, the Director of 
the Bureau of Consumer Financial Protection shall issue final 
rules to carry out the amendment made by subsection (b).

         PART B--TEXT OF AMENDMENTS TO H.R. 3621 MADE IN ORDER

     1. An Amendment To Be Offered by Representative DeSaulnier of 
          California or His Designee, Debatable for 10 Minutes

  In title IX, add at the end the following:

SEC. 904. GAO STUDY ON THE USE OF CREDIT IN HOUSING DETERMINATIONS.

  (a) Study.--The Comptroller General of the United States 
shall carry out a study of the use of consumer reports and 
credit scores in housing determinations to determine whether 
consumer reports or credit scores are being used as tools to 
perform the equivalent of banned red-lining.
  (b) Contents of Study.--In carrying out the study required 
under subsection (a), the Comptroller General shall--
          (1) examine both rental applications and mortgage 
        applications; and
          (2) include a demographic breakdown by race, gender, 
        age, sexual orientation, city/suburban/rural, 
        socioeconomic status, and any other demographic that 
        the Comptroller General determines appropriate.
  (c) Report.--The Comptroller General shall issue a report to 
the Congress containing all findings and determinations made in 
carrying out the study required under subsection (a).
                              ----------                              


 2. An Amendment To Be Offered by Representative Shalala of Florida or 
                 Her Designee, Debatable for 10 Minutes

  In title IX, add at the end the following:

SEC. 904. GAO STUDY ON THE EFFECTS OF CREDIT SCORES IMPACTED BY A 
                    STUDENT BORROWER'S DEFAULTED OR DELINQUENT PRIVATE 
                    EDUCATION LOAN.

  (a) Study.--The Comptroller General of the United States 
shall carry out a study on how credit scores impacted by a 
student borrower's defaulted or delinquent private education 
loan impacts applying for future loans, including information 
on the treatment of different demographic populations.
  (b) Report.--The Comptroller General shall issue a report to 
the Congress containing all findings and determinations made in 
carrying out the study required under subsection (a).
                              ----------                              


  3. An Amendment To Be Offered by Representative Timmons IV of South 
           Carolina or His Designee, Debatable for 10 Minutes

  In title IX, add at the end the following:

SEC. 904. GAO STUDY ON CONSUMER REPORTING AGENCY COMPLIANCE WITH 
                    CONSENT ORDERS.

  (a) Study.--The Comptroller General of the United States 
shall carry out a study of the compliance by consumer reporting 
agencies that compile and maintain files on consumers on a 
nationwide basis with consent orders, and the impact such 
compliance has on consumers.
  (b) Report.--Not later than the end of the 180-day period 
beginning on the date of enactment of this Act, the Comptroller 
General shall issue a report to the Committee on Financial 
Services of the House of Representatives and the Committee on 
Banking, Housing, and Urban Affairs of the Senate containing 
all findings and determinations made in carrying out the study 
required under subsection (a).
  (c) Definitions.--In this section, the terms ``consumer'' and 
``consumer reporting agency that compiles and maintains files 
on consumers on a nationwide basis'' have the meaning given 
those terms, respectively, under section 603 of the Fair Credit 
Reporting Act.
                              ----------                              


         PART B--TEXT OF AMENDMENTS TO H.R. 3621 MADE IN ORDER

4. An Amendment To Be Offered by Representative Clay of Missouri or His 
                   Designee, Debatable for 10 Minutes

  Page 44, line 18, before the period insert ``(increased by 
$1,000,000)''.
  In title IX, add at the end the following:

SEC. 904. POSITIVE CREDIT REPORTING PERMITTED.

  (a) In General.--Section 623 of the Fair Credit Reporting Act 
(15 U.S.C. 1681s-2), as amended by section 103, is further 
amended by adding at the end the following new subsection:
  ``(g) Full-file Credit Reporting.--
          ``(1) In general.--Subject to the requirements of 
        paragraphs (2) through (5) and notwithstanding any 
        other provision of law, a person that has obtained the 
        written authorization of a consumer 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; or
                  ``(B) pursuant to a contract for services 
                provided by a utility or telecommunication 
                firm.
          ``(2) Limitations.--
                  ``(A) Withheld payments due to habitability 
                or sanitary conditions.--No person shall 
                furnish or threaten to furnish negative 
                information relating to the performance of a 
                consumer in making payments under a lease 
                agreement with respect to a dwelling if the 
                consumer has withheld payment pursuant to--
                          ``(i) any right or remedy for breach 
                        of the warranty of habitability; or
                          ``(ii) any violation of a Federal, 
                        State, or municipal law, code, or 
                        regulation regarding sanitary 
                        conditions.
                  ``(B) Services provided by a utility or 
                telecommunication firm.--Information about a 
                consumer's usage of any services provided by a 
                utility or telecommunication firm may be 
                furnished to a consumer reporting agency only 
                to the extent that such information relates 
                to--
                          ``(i) payment by the consumer for 
                        such services; or
                          ``(ii) other terms of the provision 
                        of such services to the consumer, 
                        including any deposit, discount, or 
                        conditions for interruption or 
                        termination of such services.
          ``(3) Payment plan.--A utility or telecommunication 
        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 utility or telecommunication 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 
                utility or telecommunication firm.
          ``(4) Prohibition on use by debt collectors.--A debt 
        collector (as defined in section 803(6) of the Fair 
        Debt Collection Practices Act) may not use the 
        information described in paragraph (1).
          ``(5) Relation to state law.--Notwithstanding section 
        625, this subsection shall not preempt any law of a 
        State with respect to furnishing to a consumer 
        reporting agency information relating to the 
        performance of a consumer in making payments pursuant 
        to a lease agreement with respect to a dwelling or a 
        contract for a utility or telecommunications service. 
        For purposes of this paragraph, the term `law of a 
        State' shall include all laws, decisions, rules, 
        regulations, or other State action having the effect of 
        law, as issued by a State, any political subdivisions 
        thereof, or any agency or instrumentality of either the 
        State or a political subdivision thereof.
          ``(6) Utility or telecommunication firm defined.--In 
        this subsection, the term `utility or telecommunication 
        firm'--
                  ``(A) 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); and
                  ``(B) includes an entity that provides 
                natural gas or electric service to 
                consumers.''.
  (b) GAO Study and Report.--Not later than 2 years after the 
date of enactment of this Act, the Comptroller General of the 
United States shall submit to Congress a report on the impact 
on consumers of furnishing information pursuant to subsection 
(g) of section 623 of the Fair Credit Reporting Act (15 U.S.C. 
1681s-2), as added by subsection (a).
                              ----------                              


 5. An Amendment To Be Offered by Representative Steil of Wisconsin or 
                 His Designee, Debatable for 10 Minutes

  Page 163, beginning on line 5, strike ``(i) either--'' and 
all that follows through ``(I) the person'' and insert ``(i)(I) 
the person'' (and adjust the margin of the subsequent subclause 
accordingly).
  Page 163, line 8, strike ``or'' at the end.
  Page 163, line 12, add ``or'' at the end.
  Page 163, after line 12, insert the following:
                          ``(III) the report is necessary for a 
                        background check or related 
                        investigation of financial information 
                        that is required by a Federal, State, 
                        or local law or regulation;''.
                              ----------                              


   6. An Amendment To Be Offered by Representative Gottheimer of New 
            Jersey or His Designee, Debatable for 10 Minutes

  In title V, add at the end the following:

SEC. 503. REVIEW OF CHANGES TO CREDIT SCORING MODELS.

  Section 631 of the Fair Credit Reporting Act (15 U.S.C. 1681 
et seq.), as added by section 502, is amended by adding at the 
end the following:
  ``(c) Review of Changes to Credit Scoring Models.--With 
respect to a person that creates credit scoring models used in 
making credit decisions, if such person creates a new credit 
scoring model (including a revision to an existing scoring 
model) that would, when compared to previous credit scoring 
models created by such person, lower the credit scores of a 
class of consumers, the Director of the Bureau may review such 
new credit scoring model and, if the Director determines that 
such new credit scoring model is inappropriate (including, with 
respect to a revision to an existing scoring model, if such 
revision does not enhance or contribute to the accuracy and 
predictive value of the existing scoring model), the Director 
may prohibit such new credit scoring model.''.
                              ----------                              


 7. An Amendment To Be Offered by Representative Kildee of Michigan or 
                 His Designee, Debatable for 10 Minutes

  Page 134, line 25, before ``in an area'' insert ``or works''.
  Page 135, beginning on line 5, strike ``the date that is 3 
months after such date.'' and insert the following: ``the date 
that is the earlier of--
                          ``(i) 6 months after the date on 
                        which the major disaster or emergency 
                        was declared; and
                          ``(ii) the later of--
                                  ``(I) 3 months after the date 
                                on which the major disaster or 
                                emergency was declared; and
                                  ``(II) the date that the 
                                Director of the Bureau, in 
                                consultation with the 
                                Administrator of the Federal 
                                Emergency Management Agency, 
                                determines is the date on which 
                                substantially all provision of 
                                assistance by the Federal 
                                Emergency Management Agency 
                                under such major disaster or 
                                emergency declaration has 
                                concluded.''.
                              ----------                              


  8. An Amendment To Be Offered by Representative King of Iowa or His 
                   Designee, Debatable for 10 Minutes

  Page 135, beginning on line 3, strike ``date on which the 
major disaster or emergency was declared'' and insert ``initial 
date of the incident period of the major disaster or 
emergency''.
                              ----------                              


 9. An Amendment To Be Offered by Representative Sanchez of California 
               or Her Designee, Debatable for 10 Minutes

  Page 44, line 18, before the period insert ``(increased by 
$1,000,000)''.
  Page 182, line 8, strike ``military'' and insert 
``uniformed''.
  Page 182, line 10, strike ``military'' and insert 
``uniformed''.
  Page 182, line 11, strike ``military'' and insert 
``uniformed''.
  Page 182, line 14, strike ``military'' and insert 
``uniformed''.
  Page 182, beginning on line 16, strike ``military''.
  Page 182, line 19, strike ``military'' and insert 
``uniformed''.
  Page 182, line 21, strike ``military'' and insert 
``uniformed''.
  Page 192, line 7, strike ``military'' and insert 
``uniformed''.
  In title IX, add at the end the following:

SEC. 904. PROTECTIONS FOR ACTIVE DUTY UNIFORMED CONSUMER.

  (a) Definitions.--Section 603 of the Fair Credit Reporting 
Act (15 U.S.C. 1681a) is amended--
          (1) in subsection (q), by amending paragraph (1) to 
        read as follows:
          ``(1) Active duty uniformed consumer.--The term 
        `active duty uniformed consumer' means a consumer who 
        is--
                  ``(A) in military service and on active 
                service (as defined in section 101(d) of title 
                10, United States Code); or
                  ``(B) a member of the uniformed services (as 
                defined in section 101(a) of title 10, United 
                States Code) who is not a member of the armed 
                forces and is on active service.''; and
          (2) by inserting after subsection (dd) (as added by 
        section 901) the following:
  ``(ee) Extended Active Duty Uniformed Consumer.--The term 
`extended active duty uniformed consumer' means an active duty 
uniformed consumer that is deployed--
          ``(1) in a combat zone (as defined under section 
        112(c) of the Internal Revenue Code of 1986); or
          ``(2) aboard a United States vessel.''.
  (b) Prohibition on Including Certain Adverse Information in 
Consumer Reports.--Section 605 of the Fair Credit Reporting Act 
(15 U.S.C. 1681c) is amended--
          (1) in subsection (a), as amended by section 809, by 
        adding at the end the following:
          ``(18) Any item of adverse information about a 
        consumer, if the action or inaction that gave rise to 
        the item occurred while the consumer was an extended 
        active duty uniformed consumer.''; and
          (2) by inserting after subsection (h) (as added by 
        section 705) the following:
  ``(i) Notice of Status as an Extended Active Duty Uniformed 
Consumer.--With respect to an item of adverse information about 
a consumer, if the action or inaction that gave rise to the 
item occurred while the consumer was an extended active duty 
uniformed consumer, the consumer may provide appropriate proof, 
including official orders, to a consumer reporting agency that 
the consumer was an extended active duty uniformed consumer at 
the time such action or inaction occurred. The consumer 
reporting agency shall promptly delete that item of adverse 
information from the file of the consumer and notify the 
consumer and the furnisher of the information of the 
deletion.''.
  (c) Communications Between the Consumer and Consumer 
Reporting Agencies.--Section 605A of the Fair Credit Reporting 
Act (15 U.S.C. 1681c-1) is amended--
          (1) in subsection (c), as amended by section 803, by 
        adding at the end the following:
          ``(2) Negative information alert.--Any time a 
        consumer reporting agency receives an item of adverse 
        information about a consumer, if the consumer has 
        provided appropriate proof that the consumer is an 
        extended active duty uniformed consumer, the consumer 
        reporting agency shall promptly notify the consumer--
                  ``(A) that the agency has received such item 
                of adverse information, along with a 
                description of the item; and
                  ``(B) the method by which the consumer can 
                dispute the validity of the item.
          ``(3) Contact information for extended active duty 
        uniformed consumers.--With respect to any consumer that 
        has provided appropriate proof to a consumer reporting 
        agency that the consumer is an extended active duty 
        uniformed consumer, if the consumer provides the 
        consumer reporting agency with separate contact 
        information to be used when communicating with the 
        consumer while the consumer is an extended active duty 
        uniformed consumer, the consumer reporting agency shall 
        use such contact information for all communications 
        while the consumer is an extended active duty uniformed 
        consumer.''; and
          (2) in subsection (e), by amending paragraph (3) to 
        read as follows:
          ``(3) subparagraphs (A) and (B) of subsection (c)(1), 
        in the case of a referral under subsection 
        (c)(1)(C).''.
  (d) Conforming Amendment.--The Fair Credit Reporting Act (15 
U.S.C. 1681 et seq.) is amended by striking ``active duty 
military'' each place such term appears and inserting ``active 
duty uniformed''.
  (e) Sense of Congress.--It is the sense of Congress that any 
person making use of a consumer report containing an item of 
adverse information should, if the action or inaction that gave 
rise to the item occurred while the consumer was an extended 
active duty uniformed consumer, take such fact into account 
when evaluating the creditworthiness of the consumer.
                              ----------                              


10. An Amendment To Be Offered by Representative Cohen of Tennessee or 
                 His Designee, Debatable for 10 Minutes

  Page 137, line 16, insert before the period the following: 
``as soon as possible, but in no case later than 5 days after 
such completion''.
                              ----------                              


11. An Amendment To Be Offered by Representative Cohen of Tennessee or 
                 His Designee, Debatable for 10 Minutes

  Page 162, line 15, after ``purposes'' insert the following: 
``, including for the purpose of denying employment,''.
                              ----------                              


 12. An Amendment To Be Offered by Representative Takano of California 
               or His Designee, Debatable for 10 Minutes

  Page 143, after line 8, insert the following:
  (c) Prohibition on Inclusion of Arrest Information if There 
Is No Conviction.--Section 605(a) of the Fair Credit Reporting 
Act (15 U.S.C. 1681c(a)), as amended by section 809, is further 
amended by adding at the end the following:
          ``(18) Records of an arrest, if the consumer was not 
        convicted of any crime in connection with the 
        arrest.''.
                              ----------                              


 13. An Amendment To Be Offered by Representative Brown of Maryland or 
                 His Designee, Debatable for 10 Minutes

  Page 44, line 18, before the period insert ``(increased by 
$15,000,000)''.
  At the end of title IX, add the following:

SEC. 904. SENSE OF CONGRESS.

  It is the sense of Congress that efforts to enhance 
cybersecurity and implement routine security updates of 
databases maintained by the nationwide consumer reporting 
agencies that contain sensitive consumer data, including the 
credit history and personal information of millions of 
Americans, is critical to the national interest of the United 
States.

SEC. 905. CYBERSECURITY SUPERVISION AND EXAMINATION OF LARGE CONSUMER 
                    REPORTING AGENCIES.

  (a) In General.--The Fair Credit Reporting Act (15 U.S.C. 
1681 et seq.), as amended by section 706, is further amended by 
adding at the end the following:

``SEC. 637. CYBERSECURITY SUPERVISION AND EXAMINATION OF LARGE CONSUMER 
                    REPORTING AGENCIES.

  ``(a) In General.--Consumer reporting agencies described 
under section 603(p) shall be subject to cybersecurity 
supervision and examination by the Bureau.
  ``(b) Minimum Training Requirements.--Consumer reporting 
agencies described under section 603(p) shall meet minimum 
training and ongoing certification requirements with respect to 
cybersecurity at regular intervals, as established by the 
Director of the Bureau.''.
  (b) Clerical Amendment.--The table of contents of the Fair 
Credit Reporting Act, as amended by section 706, is further 
amended by adding at the end the following:

``637. Cybersecurity supervision and examination of large consumer 
          reporting agencies.''.
                    ____________________________________________________

14. An Amendment To Be Offered by Representative Panetta of California 
               or His Designee, Debatable for 10 Minutes

  Page 135, line 21, insert ``, including homelessness (as 
defined by the Secretary of Housing and Urban Development),'' 
after ``barriers''.

                                  [all]