Sec. 2. Table of contents

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The table of contents for this Act is as follows: Sec. 1. Short title. Sec. 2. Table of contents. Sec. 3. Findings. Sec. 4. Effective date. Sec. 5. Discretionary surplus fund. Title I—Improvements to the Dispute Process Sec. 101. Dispute procedures and disclosures relating to reinvestigations. Sec. 102. Consumer awareness of dispute rights. Sec. 103. Maintenance of records by furnishers. Sec. 104. Duties of furnishers relating to dispute procedures, notices, and disclosures. Sec. 105.

Right to appeal disputes relating to reinvestigations and investigations. Sec. 106. Revised consumer reports. Sec. 107. Indication of dispute by consumers and use of disputed information. Sec. 108. Accuracy and completeness report duties for consumer reporting agencies and furnishers. Sec. 109. Inclusion of public record data sources in consumer reports. Sec. 110. Injunctive relief for victims. Title II—Free Credit Scores for Consumers Sec. 201. Definitions. Sec. 202. Consumer information on calculation of scores.

Sec. 203. Disclosures relating to credit scores and educational credit scores. Sec. 204. Free credit score disclosures and consumer reports. Sec. 205. Provision of consumer reports and credit scores by private educational lenders. Sec. 206. Provision of consumer reports and credit scores by motor vehicle lenders or indirect auto lenders. Sec. 207. Provision of consumer reports and credit scores by residential mortgage lenders. Title III—Student Borrower Credit Improvement Act Sec. 301.

Removal of adverse information for certain private education loan borrowers. Sec. 302. Private education loan definitions. Title IV—Credit restoration for victims of predatory activities and unfair consumer reporting practices Sec. 401. Adverse credit information. Sec. 402. Expedited removal of fully paid or settled debt from consumer reports. Sec. 403. Medical debt collections. Sec. 404. Credit restoration for victims of predatory mortgage lending and servicing. Sec. 405. Credit restoration for certain private education loans borrowers.

Sec. 406. Financial abuse prevention. Sec. 407. Prohibition of certain factors related to Federal credit restoration or rehabilitation. Title V—Clarity in Credit Score Formation Sec. 501. Consumer Bureau study and report to Congress on the impact of non-traditional data. Sec. 502. Consumer Bureau oversight of credit scoring models. Sec. 503. Review of changes to credit scoring models. Title VI—Restrictions on Credit Checks for Employment Decisions Sec. 601. Prohibition on the use of credit information for most employment decisions.

Title VII—Prohibition on misleading and unfair consumer reporting practices Sec. 701. Prohibition on automatic renewals for promotional consumer reporting and credit scoring products and services. Sec. 702. Prohibition on misleading and deceptive marketing related to the provision of consumer reporting and credit scoring products and services. Sec. 703. Prohibition on excessive direct-to-consumer sales. Sec. 704. Fair access to consumer reporting and credit scoring disclosures for nonnative English speakers and the visually and hearing impaired.

Sec. 705. Comparison shopping for loans without harm to credit standing. Sec. 706. Nationwide consumer reporting agencies registry. Sec. 707. Protection for certain consumers affected by a shutdown. Title VIII—Protections against identity theft, fraud, or a related crime Sec. 801. Identity theft report definition. Sec. 802. Amendment to protection for files and credit records of protected consumers. Sec. 803. Enhancement to fraud alert protections. Sec. 804. Amendment to security freezes for consumer reports.

Sec. 805. Clarification of information to be included with agency disclosures. Sec. 806. Provides access to fraud records for victims. Sec. 807. Required Bureau to set procedures for reporting identity theft, fraud, and other related crime. Sec. 808. Establishes the right to free credit monitoring and identity theft protection services for certain consumers. Sec. 809. Ensures removal of inquiries resulting from identity theft, fraud, or other related crime from consumer reports.

Title IX—Miscellaneous Sec. 901. Definitions. Sec. 902. Technical correction related to risk-based pricing notices. Sec. 903. FCRA findings and purpose; voids certain contracts not in the public interest. Sec. 904. GAO study on the use of credit in housing determinations. Sec. 905. GAO study on the effects of credit scores impacted by a student borrower’s defaulted or delinquent private education loan. Sec. 906. GAO study on consumer reporting agency compliance with consent orders.

Sec. 907. Protections for active duty uniformed consumer. Sec. 908. Positive credit reporting permitted. Sec. 909. Sense of Congress. Sec. 910. Cybersecurity supervision and examination of large consumer reporting agencies.