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) a consumer's full name, telephone number, mother's maiden name, address, zip code, date of birth, any generational designation, or Social Security number; (2) information solely as to transactions or experiences between the consumer and the person furnishing the information; (3) public record information; and (4) information about the performance of a consumer making payments under a real property lease or pursuant to a utility or telecommunications service contract.

Defines "utility or telecommunication service" as 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.

[Congressional Bills 113th Congress]
[From the U.S. Government Publishing Office]
[S. 1613 Introduced in Senate (IS)]

113th CONGRESS
  1st Session
                                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

                            October 30, 2013

 Mr. Kirk (for himself and Mr. Manchin) 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 information to consumer reporting agencies by 
public utility or telecommunications 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. FULL-FILE ALTERNATIVE DATA, INCLUDING POSITIVE AND NEGATIVE 
              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 
                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 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) Utility or telecommunication service.--For purposes 
        of this subsection, the term `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).''.
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