Professional Documents
Culture Documents
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.
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 information to consumer reporting agencies by public utility or telecommunications companies, and for other purposes. 1 Be it enacted by the Senate and House of Representa-
5 Inclusion Act.
Jkt 039200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\S1613.IS
S1613
2 1 2 3 4
SEC. 2. FULL-FILE ALTERNATIVE DATA, INCLUDING POSITIVE AND NEGATIVE CREDIT REPORTING PERMITTED.
5 Reporting Act (15 U.S.C. 1681s2) is amended by adding 6 at the end the following new subsection: 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23
tjames on DSK6SPTVN1PROD with BILLS
in
this Act, or any regulation or rule established pursuant to this Act, shall be construed as to prohibit a person from furnishing the following information relating to a consumer to a consumer reporting agency: (A) IDENTIFYING
INFORMATION.A
con-
sumers full name, telephone number, mothers maiden name, address, zip code, date of birth, any generational designation, social security number, or any other similar consumer identifiers or combination thereof. (B) TRANSACTIONS
OR EXPERIENCES.
Information solely as to transactions or experiences between the consumer and the person furnishing the information. (C) PUBLIC
INFORMATION.Public
24 25
record information.
S 1613 IS
VerDate Mar 15 2010 01:42 Nov 01, 2013 Jkt 039200 PO 00000 Frm 00002 Fmt 6652 Sfmt 6201 E:\BILLS\S1613.IS S1613
3 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 (D) PERFORMANCE
OF CONSUMER.The
performance of a consumer making payments under a real property lease or pursuant to a contract for a utility or telecommunication service. (2) LIMITATIONS.Information about a consumers usage of any public utility service may be furnished to a consumer reporting agency only to the extent that such information relates to payment by the consumer for the services of such public utility or other terms of the provision of services to the consumer, including any deposit, discount, or the conditions for interruption or termination of the services. (3) UTILITY
ICE.For OR TELECOMMUNICATION SERV-
utility or telecommunication service 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)..
S 1613 IS
VerDate Mar 15 2010 01:42 Nov 01, 2013 Jkt 039200 PO 00000 Frm 00003 Fmt 6652 Sfmt 6301 E:\BILLS\S1613.IS S1613