Sec. 2. Establishment of online consumer portal landing page for consumer access to certain credit information
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/bill/116/hr/5332/rh/section-2A research copy — for the controlling text, always check the official state or federal source. Not legal advice.
Section 612(a)(1) of the Fair Credit Reporting Act ( 15 U.S.C. 1681j(a)(1) ) is amended by adding at the end the following: Not later than 1 year after the date of enactment of this subparagraph, each consumer reporting agency described in section 603(p) shall jointly develop an online consumer portal landing page that gives each consumer unlimited free access to— the consumer report of the consumer; the means by which the consumer may exercise the rights of the consumer under subparagraph
(E)and section 604(e); the ability to initiate a dispute with the consumer reporting agency regarding the accuracy or completeness of any information in a report in accordance with section 611(a) or 623(a)(8); the ability to place and remove a security freeze on a consumer report for free under section 605A(i) and (j); if the consumer reporting agency offers a product to consumers to prevent access to the consumer report of the consumer for the purpose of preventing identity theft, a disclosure to the consumer regarding the differences between that product and a security freeze as defined under section 605A(i) or (j); information on who has accessed the consumer report of the consumer over the last 24 months, and, as available, for what permissible purpose the consumer report was furnished in accordance with section 604 and section 609; and the credit score of the consumer in accordance with section 609(f)(7). A consumer reporting agency described in section 603(p) may not require a consumer to waive any legal or privacy rights to access— a portal established under this subparagraph; or any of the services described in clause
(i)that are provided through a portal established under this subparagraph. A portal established under this subparagraph may not contain any advertising, marketing offers, or other solicitations. The Bureau may allow the consumer reporting agencies an extension of 1 year to develop the online consumer portal landing page required under clause (i). Nothing in this subparagraph may be construed as requiring a consumer reporting agency to disclose confidential proprietary information through the online consumer portal landing page. If a consumer reporting agency sells consumer information in a manner that is not included in a consumer report, the consumer reporting agency shall provide each consumer with a method (through a website, by phone, or in writing) by which the consumer may elect, free of charge, to not have the information of the consumer so sold. An election made by a consumer under clause
(i)shall expire on the date on which the consumer expressly revokes the election through a website, by phone, or in writing. . Section 612(f)(1) of the Fair Credit Reporting Act ( 15 U.S.C. 1681j(f)(1) ) is amended, in the matter preceding subparagraph (A), by adding or that is made through the online consumer portal landing page established under subsection (a)(1)(D), after subsections
(a)through (d), .
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Sec. 2
Establishment of online consumer portal landing page for consumer access to certain credit information
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