Credit Access and Inclusion Act

Credit Access and Inclusion Act - Amends the Fair Credit Reporting Act, with respect to the responsibilities of furnishers of information to consumer reporting agencies, to declare that nothing in the Act or related regulations shall be construed as to prohibit a person from furnishing to a consumer reporting agency certain consumer identifying information, including: (1) consumer's full name, telephone number, mother's maiden name, address, zip code, date of birth, any generational designation, or Social Security number; (2) transactions or experiences between the consumer and the person furnishing the information; and (3) the performance of the consumer's obligations under a real property lease, a subscription agreement, or an account of a public utility service (subject to certain limitations).

[Congressional Bills 112th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6363 Introduced in House (IH)]

112th CONGRESS
  2d Session
                                H. R. 6363

  To amend the Fair Credit Reporting Act to clarify Federal law with 
 respect to reporting positive consumer credit information to consumer 
reporting agencies by public utility companies, and for other purposes.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                           September 10, 2012

Mr. Renacci (for himself, Mr. Ellison, Mr. Hinojosa, Mr. Jones, and Mr. 
   Capuano) introduced the following bill; which was referred to the 
                    Committee on Financial Services

_______________________________________________________________________

                                 A BILL


 
  To amend the Fair Credit Reporting Act to clarify Federal law with 
 respect to reporting positive consumer credit information to consumer 
reporting agencies by public utility companies, and for other purposes.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``The Credit Access and Inclusion 
Act''.

SEC. 2. POSITIVE CREDIT REPORTING PERMITTED.

    (a) In General.--Section 623 of the Fair Credit Reporting Act (15 
U.S.C. 1681s-2) is amended by adding at the end the following new 
subsection:
    ``(f) Full-File Credit Reporting.--
            ``(1) Rule of construction.--Nothing 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 consumer's full 
                name, telephone number, mother's 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 record 
                information.
                    ``(D) Performance of consumer.--The performance of 
                the consumer's obligations under a real property lease, 
                a subscription agreement, or , subject to the 
                limitations under paragraph (2), an account of a public 
                utility service.
            ``(2) Limitations.--Information about a consumer's 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) Public utility service.--For purposes of this 
        subsection, the term `public utility service' means an entity 
        that provides utility services to the public through pipe, 
        wire, or other connected facilities, or radio, electronic, or 
        similar transmission (including the extension of such 
        facilities), and the charges for service, delayed payment, and 
        any discount for prompt payment are filed with or regulated by 
        a government entity.''.
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