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Tester's Bipartisan Credit Access and Inclusion Act

Tester's Bipartisan Credit Access and Inclusion Act

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Published by: les_braswell5524 on Jan 07, 2014
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01/07/2014

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II
113
TH
CONGRESS 1
ST
S
ESSION
 
S. 1613
To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting full-file alternative data, including positive and negative consumer credit information to consumer reporting agencies by public  utility or telecommunications companies, and for other purposes.
IN THE SENATE OF THE UNITED STATES
O
CTOBER
30, 2013 Mr. K 
IRK 
(for himself and Mr. M
 ANCHIN
) introduced the following bill; which  was read twice and referred to the Committee on Banking, Housing, and Urban Affairs
A BILL
To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting full-file alternative data, including positive and negative consumer credit informa-tion to consumer reporting agencies by public utility or telecommunications companies, and for other pur-poses.
 Be it enacted by the Senate and House of Representa-
1
tives of the United States of America in Congress assembled,
2
SECTION 1. SHORT TITLE.
3
This Act may be cited as the ‘‘The Credit Access and
4
Inclusion Act’’.
5
VerDate Mar 15 2010 01:42 Nov 01, 2013Jkt 039200PO 00000Frm 00001Fmt 6652Sfmt 6201E:\BILLS\S1613.ISS1613
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2
S 1613 IS
SEC. 2. FULL-FILE ALTERNATIVE DATA, INCLUDING POSI-
1
TIVE AND NEGATIVE CREDIT REPORTING
2
PERMITTED.
3
(a) I
N
G
ENERAL
.—Section 623 of the Fair Credit
4
Reporting Act (15 U.S.C. 1681s–2) is amended by adding
5
at the end the following new subsection:
6
‘‘(f) F
ULL
-F
ILE
C
REDIT
R
EPORTING
.—
7
‘‘(1) R
ULE OF CONSTRUCTION
.—Nothing in
8
this Act, or any regulation or rule established pursu-
9
ant to this Act, shall be construed as to prohibit a
10
person from furnishing the following information re-
11
lating to a consumer to a consumer reporting agen-
12
cy:
13
‘‘(A) I
DENTIFYING INFORMATION
.—A con-
14
sumer’s full name, telephone number, mother’s
15
maiden name, address, zip code, date of birth,
16
any generational designation, social security
17
number, or any other similar consumer identi-
18
fiers or combination thereof.
19
‘‘(B) T
RANSACTIONS OR EXPERIENCES
.—
20
Information solely as to transactions or experi-
21
ences between the consumer and the person fur-
22
nishing the information.
23
‘‘(C) P
UBLIC INFORMATION
.—Public
24
record information.
25
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