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[DOCID: f:h2031ih.txt]






107th CONGRESS
  1st Session
                                H. R. 2031

To amend the Fair Credit Reporting Act to allow any consumer to receive 
   a free credit report annually from any consumer reporting agency.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                              May 25, 2001

   Ms. Roybal-Allard (for herself, Ms. Lee, Mrs. Jones of Ohio, Mr. 
Gutierrez, Mr. Frank, Mr. Kleczka, Mr. George Miller of California, Ms. 
Solis, Ms. Baldwin, Ms. Sanchez, Mr. Kildee, Mr. Acevedo-Vila, and Mr. 
  Underwood) introduced the following bill; which was referred to the 
                    Committee on Financial Services

_______________________________________________________________________

                                 A BILL


 
To amend the Fair Credit Reporting Act to allow any consumer to receive 
   a free credit report annually from any consumer reporting agency.

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

SECTION 1. SHORT TITLE.

    (a) In General.--This Act may be cited as the ``Consumer Credit 
Report Accuracy and Privacy Act of 2001''.

SEC. 2. FREE CREDIT REPORT ANNUALLY UPON REQUEST OF CONSUMER.

    Section 612 of the Fair Credit Reporting Act (15 U.S.C. 1681j) is 
amended--
            (1) by redesignating subsections (c) and (d) as subsections 
        (d) and (e), respectively; and
            (2) by inserting after subsection (b) the following new 
        subsection:
    ``(c) Free Credit Report Annually Upon Request of Consumer.--Upon 
the request of any consumer, any consumer reporting agency shall make 
all disclosures pursuant to section 609 without charge to such consumer 
at least once each calendar year.''.
    (b) Technical and Conforming Amendment.--Section 612(a)(1) of the 
Fair Credit Reporting Act (15 U.S.C. 1681j(a)(1)) is amended by 
striking ``(c), and (d)'' and inserting ``(c), (d), and (e)''.
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