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         <identifier type="USC citation">15 U.S.C. 1681m(d)</identifier>
         <identifier type="USC citation">15 U.S.C. 1681s-2(a)</identifier>
         <identifier type="USC citation">15 U.S.C. 1681s-2(a)(1)</identifier>
         <identifier type="USC citation">15 U.S.C. 1681s</identifier>
         <identifier type="USC citation">15 U.S.C. 1681s(c)(5)</identifier>
         <identifier type="USC citation">15 U.S.C. 1681s(c)(5)(A)</identifier>
         <identifier type="USC citation">15 U.S.C. 1681t(b)(1)(E)</identifier>
         <identifier type="USC citation">15 U.S.C. 1681t(b)(3)</identifier>
         <identifier type="USC citation">15 U.S.C. 1681t(d)</identifier>
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         <titleInfo>
              <title>United States Code</title>
              <partNumber>Title 31 Section 5318(l)</partNumber>
        </titleInfo>
         <identifier type="USC citation">31 U.S.C. 5318(l)</identifier>
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    <relatedItem type="isReferencedBy">
         <titleInfo>
              <title>United States Public Law 102 (106th Congress)</title>
        </titleInfo>
         <identifier type="public law citation">Public Law 106-102</identifier>
    </relatedItem>
    <relatedItem type="isReferencedBy">
         <titleInfo>
              <title>United States House Report 263 (108th Congress)</title>
        </titleInfo>
         <identifier type="congressional report citation">H. Rept. 108-263</identifier>
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    <relatedItem type="isReferencedBy">
         <titleInfo>
              <title>United States Union Calendar No. 150</title>
        </titleInfo>
         <identifier type="congressional calendar citation">Union Calendar No. 150</identifier>
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    <extension>
         <docClass>hr</docClass>
         <accessId>BILLS-108hr2622rh</accessId>
         <congress>108</congress>
         <session>1</session>
         <originChamber>HOUSE</originChamber>
         <currentChamber>HOUSE</currentChamber>
         <billNumber>2622</billNumber>
         <billVersion reprint="false">rh</billVersion>
         <fileSuffix>rh</fileSuffix>
         <shortTitle type="measure">Fair and Accurate Credit Transactions Act of 2003</shortTitle>
         <action date="2003-06-26">Mr. Bachus (for himself, Ms. Hooley of Oregon, Mrs. Biggert, Mr. Moore, Mr. LaTourette, Mr. Kanjorski, Mr. Castle, Mrs. Maloney, Mr. Shadegg, Mr. Ford, Mr. Tiberi, Mr. Hinojosa, Mr. Hensarling, Mr. Crowley, Mr. Sessions, Mr. Ross, Mr. Matheson, Mr. Davis of Alabama, Mr. Baker, Mr. King of New York, Mr. Lucas of Oklahoma, Mr. Lucas of Kentucky, Mr. Ney, Mrs. Kelly, Mr. Jones of North Carolina, Mr. Israel, Ms. Hart, Mr. Miller of North Carolina, Mrs. Capito, Mrs. McCarthy of New York, Mr. Barrett of South Carolina, Mr. Feeney, and Ms. Harris) introduced the following bill; which was referred to the Committee on Financial Services</action>
         <action date="2003-09-04">Additional sponsors: Mr. Kennedy of Minnesota, Mr. Scott of Georgia, Mr. Boyd, Mr. Weldon of Florida, Mr. Rogers of Michigan, Mr. Frost, Mr. Ramstad, Mr. Murphy, Mr. Smith of Washington, Mr. Cantor, Mr. Blunt, Mr. Aderholt, Mr. Terry, Mr. Davis of Florida, Mr. Mica, Mr. Shays, Mr. Strickland, Mr. Burton of Indiana, Mr. Kind, Mr. Deal of Georgia, Mr. Schrock, Mr. Reynolds, Ms. Pryce of Ohio, Mr. Emanuel, Mr. Beauprez, and Mr. Boehlert</action>
         <action date="2003-09-04">Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed</action>
         <congCommittee authorityId="hsba00" chamber="H" congress="108" type="S">
                                
              <name type="authority-standard">Committee on Financial Services</name>
                                
              <name type="authority-short">Financial Services</name>
                            
        </congCommittee>
         <congMember bioGuideId="B000013" chamber="H" congress="108" party="R" role="SPONSOR" state="AL">
                                
              <name type="parsed">Mr. Bachus </name>
                                
              <name type="authority-fnf">Spencer Bachus</name>
                                
              <name type="authority-lnf">Bachus, Spencer</name>
                            
        </congMember>
         <congMember bioGuideId="H000762" chamber="H" congress="108" party="D" role="COSPONSOR" state="OR">
                                
              <name type="parsed">Ms. Hooley of Oregon</name>
                                
              <name type="authority-fnf">Darlene Hooley</name>
                                
              <name type="authority-lnf">Hooley, Darlene</name>
                            
        </congMember>
         <congMember bioGuideId="B001232" chamber="H" congress="108" party="R" role="COSPONSOR" state="IL">
                                
              <name type="parsed">Mrs. Biggert</name>
                                
              <name type="authority-fnf">Judy Biggert</name>
                                
              <name type="authority-lnf">Biggert, Judy</name>
                            
        </congMember>
         <congMember bioGuideId="M001140" chamber="H" congress="108" party="D" role="COSPONSOR" state="KS">
                                
              <name type="parsed">Mr. Moore</name>
                                
              <name type="authority-fnf">Dennis Moore</name>
                                
              <name type="authority-lnf">Moore, Dennis</name>
                            
        </congMember>
         <congMember bioGuideId="L000553" chamber="H" congress="108" party="R" role="COSPONSOR" state="OH">
                                
              <name type="parsed">Mr. LaTourette</name>
                                
              <name type="authority-fnf">Steven C. LaTourette</name>
                                
              <name type="authority-lnf">LaTourette, Steven C.</name>
                                
              <name type="authority-other">Steven Latourette</name>
                            
        </congMember>
         <congMember bioGuideId="K000008" chamber="H" congress="108" party="D" role="COSPONSOR" state="PA">
                                
              <name type="parsed">Mr. Kanjorski</name>
                                
              <name type="authority-fnf">Paul E. Kanjorski</name>
                                
              <name type="authority-lnf">Kanjorski, Paul E.</name>
                                
              <name type="authority-other">Paul Kanjorski</name>
                            
        </congMember>
         <congMember bioGuideId="C000243" chamber="H" congress="108" party="R" role="COSPONSOR" state="DE">
                                
              <name type="parsed">Mr. Castle</name>
                                
              <name type="authority-fnf">Michael N. Castle</name>
                                
              <name type="authority-lnf">Castle, Michael N.</name>
                                
              <name type="authority-other">Michael Castle</name>
                            
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         <congMember bioGuideId="M000087" chamber="H" congress="108" party="D" role="COSPONSOR" state="NY">
                                
              <name type="parsed">Mrs. Maloney</name>
                                
              <name type="authority-fnf">Carolyn B. Maloney</name>
                                
              <name type="authority-lnf">Maloney, Carolyn B.</name>
                                
              <name type="authority-other">Carolyn Maloney</name>
                            
        </congMember>
         <congMember bioGuideId="S000275" chamber="H" congress="108" party="R" role="COSPONSOR" state="AZ">
                                
              <name type="parsed">Mr. Shadegg</name>
                                
              <name type="authority-fnf">John B. Shadegg</name>
                                
              <name type="authority-lnf">Shadegg, John B.</name>
                                
              <name type="authority-other">John Shadegg</name>
                            
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         <congMember bioGuideId="F000262" chamber="H" congress="108" party="D" role="COSPONSOR" state="TN">
                                
              <name type="parsed">Mr. Ford</name>
                                
              <name type="authority-fnf">Harold E. Ford Jr.</name>
                                
              <name type="authority-lnf">Ford, Harold E., Jr.</name>
                                
              <name type="authority-other">Harold Ford</name>
                            
        </congMember>
         <congMember bioGuideId="T000462" chamber="H" congress="108" party="R" role="COSPONSOR" state="OH">
                                
              <name type="parsed">Mr. Tiberi</name>
                                
              <name type="authority-fnf">Patrick J. Tiberi</name>
                                
              <name type="authority-lnf">Tiberi, Patrick J.</name>
                                
              <name type="authority-other">Patrick Tiberi</name>
                            
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         <congMember bioGuideId="H000636" chamber="H" congress="108" party="D" role="COSPONSOR" state="TX">
                                
              <name type="parsed">Mr. Hinojosa</name>
                                
              <name type="authority-fnf">Ruben Hinojosa</name>
                                
              <name type="authority-lnf">Hinojosa, Ruben</name>
                            
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         <congMember bioGuideId="H001036" chamber="H" congress="108" party="R" role="COSPONSOR" state="TX">
                                
              <name type="parsed">Mr. Hensarling</name>
                                
              <name type="authority-fnf">Jeb Hensarling</name>
                                
              <name type="authority-lnf">Hensarling, Jeb</name>
                            
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         <congMember bioGuideId="C001038" chamber="H" congress="108" party="D" role="COSPONSOR" state="NY">
                                
              <name type="parsed">Mr. Crowley</name>
                                
              <name type="authority-fnf">Joseph Crowley</name>
                                
              <name type="authority-lnf">Crowley, Joseph</name>
                            
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         <congMember bioGuideId="S000250" chamber="H" congress="108" party="R" role="COSPONSOR" state="TX">
                                
              <name type="parsed">Mr. Sessions</name>
                                
              <name type="authority-fnf">Pete Sessions</name>
                                
              <name type="authority-lnf">Sessions, Pete</name>
                            
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         <congMember bioGuideId="R000573" chamber="H" congress="108" party="D" role="COSPONSOR" state="AR">
                                
              <name type="parsed">Mr. Ross</name>
                                
              <name type="authority-fnf">Mike Ross</name>
                                
              <name type="authority-lnf">Ross, Mike</name>
                            
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         <congMember bioGuideId="M001142" chamber="H" congress="108" party="D" role="COSPONSOR" state="UT">
                                
              <name type="parsed">Mr. Matheson</name>
                                
              <name type="authority-fnf">Jim Matheson</name>
                                
              <name type="authority-lnf">Matheson, Jim</name>
                            
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         <congMember bioGuideId="D000602" chamber="H" congress="108" party="D" role="COSPONSOR" state="AL">
                                
              <name type="parsed">Mr. Davis of Alabama</name>
                                
              <name type="authority-fnf">Artur Davis</name>
                                
              <name type="authority-lnf">Davis, Artur</name>
                            
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         <congMember bioGuideId="B000072" chamber="H" congress="108" party="R" role="COSPONSOR" state="LA">
                                
              <name type="parsed">Mr. Baker</name>
                                
              <name type="authority-fnf">Richard H. Baker</name>
                                
              <name type="authority-lnf">Baker, Richard H.</name>
                                
              <name type="authority-other">Richard Baker</name>
                            
        </congMember>
         <congMember bioGuideId="K000210" chamber="H" congress="108" party="R" role="COSPONSOR" state="NY">
                                
              <name type="parsed">Mr. King of New York</name>
                                
              <name type="authority-fnf">Peter T. King</name>
                                
              <name type="authority-lnf">King, Peter T.</name>
                                
              <name type="authority-other">Peter King</name>
                            
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         <congMember bioGuideId="L000491" chamber="H" congress="108" party="R" role="COSPONSOR" state="OK">
                                
              <name type="parsed">Mr. Lucas of Oklahoma</name>
                                
              <name type="authority-fnf">Frank D. Lucas</name>
                                
              <name type="authority-lnf">Lucas, Frank D.</name>
                                
              <name type="authority-other">Frank Lucas</name>
                            
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              <name type="parsed">Mr. Lucas of Kentucky</name>
                                
              <name type="authority-fnf">Ken Lucas</name>
                                
              <name type="authority-lnf">Lucas, Ken</name>
                            
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         <congMember bioGuideId="N000081" chamber="H" congress="108" party="R" role="COSPONSOR" state="OH">
                                
              <name type="parsed">Mr. Ney</name>
                                
              <name type="authority-fnf">Robert W. Ney</name>
                                
              <name type="authority-lnf">Ney, Robert W.</name>
                                
              <name type="authority-other">Bob Ney</name>
                            
        </congMember>
         <congMember bioGuideId="K000078" chamber="H" congress="108" party="R" role="COSPONSOR" state="NY">
                                
              <name type="parsed">Mrs. Kelly</name>
                                
              <name type="authority-fnf">Sue W. Kelly</name>
                                
              <name type="authority-lnf">Kelly, Sue W.</name>
                                
              <name type="authority-other">Sue Kelly</name>
                            
        </congMember>
         <congMember bioGuideId="J000255" chamber="H" congress="108" party="R" role="COSPONSOR" state="NC">
                                
              <name type="parsed">Mr. Jones of North Carolina</name>
                                
              <name type="authority-fnf">Walter B. Jones</name>
                                
              <name type="authority-lnf">Jones, Walter B., Jr.</name>
                                
              <name type="authority-other">Walter Jones</name>
                            
        </congMember>
         <congMember bioGuideId="I000057" chamber="H" congress="108" party="D" role="COSPONSOR" state="NY">
                                
              <name type="parsed">Mr. Israel</name>
                                
              <name type="authority-fnf">Steve Israel</name>
                                
              <name type="authority-lnf">Israel, Steve</name>
                            
        </congMember>
         <congMember bioGuideId="H001033" chamber="H" congress="108" party="R" role="COSPONSOR" state="PA">
                                
              <name type="parsed">Ms. Hart</name>
                                
              <name type="authority-fnf">Melissa A. Hart</name>
                                
              <name type="authority-lnf">Hart, Melissa A.</name>
                                
              <name type="authority-other">Melissa Hart</name>
                            
        </congMember>
         <congMember bioGuideId="M001154" chamber="H" congress="108" party="D" role="COSPONSOR" state="NC">
                                
              <name type="parsed">Mr. Miller of North Carolina</name>
                                
              <name type="authority-fnf">Brad Miller</name>
                                
              <name type="authority-lnf">Miller, Brad</name>
                            
        </congMember>
         <congMember bioGuideId="C001047" chamber="H" congress="108" party="R" role="COSPONSOR" state="WV">
                                
              <name type="parsed">Mrs. Capito</name>
                                
              <name type="authority-fnf">Shelley Moore Capito</name>
                                
              <name type="authority-lnf">Capito, Shelley Moore</name>
                                
              <name type="authority-other">Mrs. Shelley Capito</name>
                            
        </congMember>
         <congMember bioGuideId="M000309" chamber="H" congress="108" party="D" role="COSPONSOR" state="NY">
                                
              <name type="parsed">Mrs. McCarthy of New York</name>
                                
              <name type="authority-fnf">Carolyn McCarthy</name>
                                
              <name type="authority-lnf">McCarthy, Carolyn</name>
                            
        </congMember>
         <congMember bioGuideId="B001239" chamber="H" congress="108" party="R" role="COSPONSOR" state="SC">
                                
              <name type="parsed">Mr. Barrett of South Carolina</name>
                                
              <name type="authority-fnf">J. Gresham Barrett</name>
                                
              <name type="authority-lnf">Barrett, J. Gresham</name>
                            
        </congMember>
         <congMember bioGuideId="F000447" chamber="H" congress="108" party="R" role="COSPONSOR" state="FL">
                                
              <name type="parsed">Mr. Feeney</name>
                                
              <name type="authority-fnf">Tom Feeney</name>
                                
              <name type="authority-lnf">Feeney, Tom</name>
                            
        </congMember>
         <congMember bioGuideId="H001035" chamber="H" congress="108" party="R" role="COSPONSOR" state="FL">
                                
              <name type="parsed">Ms. Harris</name>
                                
              <name type="authority-fnf">Katherine Harris</name>
                                
              <name type="authority-lnf">Harris, Katherine</name>
                            
        </congMember>
         <congMember bioGuideId="K000358" chamber="H" congress="108" party="R" role="SPONSOR" state="MN">
                                
              <name type="parsed">Mr. Kennedy of Minnesota</name>
                                
              <name type="authority-fnf">Mark R. Kennedy</name>
                                
              <name type="authority-lnf">Kennedy, Mark R.</name>
                                
              <name type="authority-other">Mark Kennedy</name>
                            
        </congMember>
         <congMember bioGuideId="S001157" chamber="H" congress="108" party="D" role="COSPONSOR" state="GA">
                                
              <name type="parsed">Mr. Scott of Georgia</name>
                                
              <name type="authority-fnf">David Scott</name>
                                
              <name type="authority-lnf">Scott, David</name>
                            
        </congMember>
         <congMember bioGuideId="B000716" chamber="H" congress="108" party="D" role="COSPONSOR" state="FL">
                                
              <name type="parsed">Mr. Boyd</name>
                                
              <name type="authority-fnf">Allen Boyd</name>
                                
              <name type="authority-lnf">Boyd, Allen</name>
                                
              <name type="authority-other">Allen Jr. Boyd</name>
                            
        </congMember>
         <congMember bioGuideId="W000267" chamber="H" congress="108" party="R" role="COSPONSOR" state="FL">
                                
              <name type="parsed">Mr. Weldon of Florida</name>
                                
              <name type="authority-fnf">Dave Weldon</name>
                                
              <name type="authority-lnf">Weldon, Dave</name>
                            
        </congMember>
         <congMember bioGuideId="R000572" chamber="H" congress="108" party="R" role="COSPONSOR" state="MI">
                                
              <name type="parsed">Mr. Rogers of Michigan</name>
                                
              <name type="authority-fnf">Mike Rogers</name>
                                
              <name type="authority-lnf">Rogers, Mike J.</name>
                            
        </congMember>
         <congMember bioGuideId="F000392" chamber="H" congress="108" party="D" role="COSPONSOR" state="TX">
                                
              <name type="parsed">Mr. Frost</name>
                                
              <name type="authority-fnf">Martin Frost</name>
                                
              <name type="authority-lnf">Frost, Martin</name>
                            
        </congMember>
         <congMember bioGuideId="R000033" chamber="H" congress="108" party="R" role="COSPONSOR" state="MN">
                                
              <name type="parsed">Mr. Ramstad</name>
                                
              <name type="authority-fnf">Jim Ramstad</name>
                                
              <name type="authority-lnf">Ramstad, Jim</name>
                            
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         <congMember bioGuideId="M001151" chamber="H" congress="108" party="R" role="COSPONSOR" state="PA">
                                
              <name type="parsed">Mr. Murphy</name>
                                
              <name type="authority-fnf">Tim Murphy</name>
                                
              <name type="authority-lnf">Murphy, Tim</name>
                            
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         <congMember bioGuideId="S000510" chamber="H" congress="108" party="D" role="COSPONSOR" state="WA">
                                
              <name type="parsed">Mr. Smith of Washington</name>
                                
              <name type="authority-fnf">Adam Smith</name>
                                
              <name type="authority-lnf">Smith, Adam</name>
                            
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         <congMember bioGuideId="C001046" chamber="H" congress="108" party="R" role="COSPONSOR" state="VA">
                                
              <name type="parsed">Mr. Cantor</name>
                                
              <name type="authority-fnf">Eric Cantor</name>
                                
              <name type="authority-lnf">Cantor, Eric</name>
                            
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         <congMember bioGuideId="B000575" chamber="H" congress="108" party="R" role="COSPONSOR" state="MO">
                                
              <name type="parsed">Mr. Blunt</name>
                                
              <name type="authority-fnf">Roy Blunt</name>
                                
              <name type="authority-lnf">Blunt, Roy</name>
                            
        </congMember>
         <congMember bioGuideId="A000055" chamber="H" congress="108" party="R" role="COSPONSOR" state="AL">
                                
              <name type="parsed">Mr. Aderholt</name>
                                
              <name type="authority-fnf">Robert B. Aderholt</name>
                                
              <name type="authority-lnf">Aderholt, Robert B.</name>
                                
              <name type="authority-other">Robert Aderholt</name>
                            
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         <congMember bioGuideId="T000459" chamber="H" congress="108" party="R" role="COSPONSOR" state="NE">
                                
              <name type="parsed">Mr. Terry</name>
                                
              <name type="authority-fnf">Lee Terry</name>
                                
              <name type="authority-lnf">Terry, Lee</name>
                            
        </congMember>
         <congMember bioGuideId="D000114" chamber="H" congress="108" party="D" role="COSPONSOR" state="FL">
                                
              <name type="parsed">Mr. Davis of Florida</name>
                                
              <name type="authority-fnf">Jim Davis</name>
                                
              <name type="authority-lnf">Davis, Jim</name>
                            
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         <congMember bioGuideId="M000689" chamber="H" congress="108" party="R" role="COSPONSOR" state="FL">
                                
              <name type="parsed">Mr. Mica</name>
                                
              <name type="authority-fnf">John L. Mica</name>
                                
              <name type="authority-lnf">Mica, John L.</name>
                                
              <name type="authority-other">John Mica</name>
                            
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              <name type="parsed">Mr. Shays</name>
                                
              <name type="authority-fnf">Christopher Shays</name>
                                
              <name type="authority-lnf">Shays, Christopher</name>
                            
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         <congMember bioGuideId="S001004" chamber="H" congress="108" party="D" role="COSPONSOR" state="OH">
                                
              <name type="parsed">Mr. Strickland</name>
                                
              <name type="authority-fnf">Ted Strickland</name>
                                
              <name type="authority-lnf">Strickland, Ted</name>
                            
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         <congMember bioGuideId="B001149" chamber="H" congress="108" party="R" role="COSPONSOR" state="IN">
                                
              <name type="parsed">Mr. Burton of Indiana</name>
                                
              <name type="authority-fnf">Dan Burton</name>
                                
              <name type="authority-lnf">Burton, Dan</name>
                            
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         <congMember bioGuideId="K000188" chamber="H" congress="108" party="D" role="COSPONSOR" state="WI">
                                
              <name type="parsed">Mr. Kind</name>
                                
              <name type="authority-fnf">Ron Kind</name>
                                
              <name type="authority-lnf">Kind, Ron</name>
                            
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         <congMember bioGuideId="D000168" chamber="H" congress="108" party="R" role="COSPONSOR" state="GA">
                                
              <name type="parsed">Mr. Deal of Georgia</name>
                                
              <name type="authority-fnf">Nathan Deal</name>
                                
              <name type="authority-lnf">Deal, Nathan</name>
                            
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         <congMember bioGuideId="S001151" chamber="H" congress="108" party="R" role="COSPONSOR" state="VA">
                                
              <name type="parsed">Mr. Schrock</name>
                                
              <name type="authority-fnf">Edward L. Schrock</name>
                                
              <name type="authority-lnf">Schrock, Edward L.</name>
                                
              <name type="authority-other">Edward Schrock</name>
                            
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         <congMember bioGuideId="R000569" chamber="H" congress="108" party="R" role="COSPONSOR" state="NY">
                                
              <name type="parsed">Mr. Reynolds</name>
                                
              <name type="authority-fnf">Thomas M. Reynolds</name>
                                
              <name type="authority-lnf">Reynolds, Thomas M.</name>
                                
              <name type="authority-other">Thomas Reynolds</name>
                            
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         <congMember bioGuideId="P000555" chamber="H" congress="108" party="R" role="COSPONSOR" state="OH">
                                
              <name type="parsed">Ms. Pryce of Ohio</name>
                                
              <name type="authority-fnf">Deborah Pryce</name>
                                
              <name type="authority-lnf">Pryce, Deborah</name>
                            
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         <congMember bioGuideId="E000287" chamber="H" congress="108" party="D" role="COSPONSOR" state="IL">
                                
              <name type="parsed">Mr. Emanuel</name>
                                
              <name type="authority-fnf">Rahm Emanuel</name>
                                
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              <name type="parsed">Mr. Beauprez</name>
                                
              <name type="authority-fnf">Bob Beauprez</name>
                                
              <name type="authority-lnf">Beauprez, Bob</name>
                            
        </congMember>
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              <name type="parsed">Mr. Boehlert</name>
                                
              <name type="authority-fnf">Sherwood Boehlert</name>
                                
              <name type="authority-lnf">Boehlert, Sherwood</name>
                                
              <name type="authority-other">Sherwood L. Boehlert</name>
                            
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