H.R. 9639

FAIR Credit Act

Sponsor: Rashida Tlaib

3 cosponsors
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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

Sec. 208. Provides access to fraud records for victims

Section 609(e) of the Fair Credit Reporting Act (15 U.S.C. 1681g(e)) is amended—

(1) in paragraph (1)—

(A) by striking resulting from identity theft;

(B) by striking claim of identity theft and inserting claim of fraudulent activity; and

(C) by striking any transaction alleged to be a result of identity theft and inserting any fraudulent transaction;

(2) in paragraph (2)(B)—

(A) by striking identity theft, at the election of the business entity and inserting fraudulent activity;

(B) by amending clause (i) to read as follows:

Text this section adds to the law

(i) a copy of an identity theft report; or

; and

(C) by amending clause (ii) to read as follows:

Text this section adds to the law

(ii) an affidavit of fact that is acceptable to the business entity for that purpose.

(3) in paragraph (3)(C), by striking identity theft and inserting fraudulent activity;

(4) by striking paragraph (8) and redesignating paragraphs (9) through (13) as paragraphs (8) through (12), respectively; and

(5) in paragraph (10) (as so redesignated), by striking or a similar crime and inserting , fraud, or a related crime.

III Miscellaneous