H.R. 9639
FAIR Credit Act
Sponsor: Rashida Tlaib
3 cosponsors
Official summary
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Text of the bill
I Restoring the Impaired Credit of Victims of Predatory Activities and Unfair Consumer Reporting Practices
II Expanding Access to Tools to Protect Vulnerable Consumers From Identity Theft, Fraud, or a Related Crime, and Protect Victims From Further Harm
Section 603(q)(4) of the Fair Credit Reporting Act (15 U.S.C. 1681a(q)(4)) is amended to read as follows:
(4) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report—
(A) that is a standardized affidavit that alleges that a consumer has been a victim of identity theft, fraud, or a related crime, or has been harmed by the unauthorized disclosure of the consumer’s financial or personally identifiable information, that was developed and made available by the Bureau; or
(B)
(i) that alleges an identity theft, fraud, or a related crime, or alleges harm from the unauthorized disclosure of the consumer’s financial or personally identifiable information;
(ii) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau; and
(iii) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.
III Miscellaneous