BILLS-103hr1015ih.pdf

5-day 15 U.S.C. 1681b the end of the 30-day 15 U.S.C. 1681e 455-day 5 days more than one year 1993 15 days 60-day 2-year 7 years old 180-day the beginning of the Fair Credit Reporting Act 6-month 10 years 7 1986 FEBRUARY 18, 1993 15 U.S.C. 1681h 15 U.S.C. 1681q 12 1681b each calendar year 23 days 20 month 1681c later than 90 days 60 days 270-day 455 days 2 years 7-year 15 U.S.C. 1681r 3-year the preceding 60 days the 365-day later than 12 months 20 days NOVEMBER 18, 1993 annually the 3rd day 15 U.S.C. 1681 18 year

SESSION H. R. 1015 the ‘‘Consumer Reporting

SC United States the United States Washington Louisiana Puerto Rico the District of Columbia Massachusetts Connecticut New Jersey the United States of America

SEC U.S.C. State Fair Federal Commission the Fair Credit Reporting Act the Federal Trade Commission the Federal Trade Commis- Congress TAIN FTC Federal Trade Commission Federal Trade GENERAL.—If Federal or State the Federal Trade Commission Act the Internal Revenue Code NUMBER.—A THE HOUSE OF REPRESENTATIVES HINCHEY the Equal Credit Opportunity Act FEDERAL RESERVE BOARD AUTHORITY the Credit Repair Organization Act Urban Affairs GENERAL.—Any the Federal Deposit Insurance Act the ‘Credit Repair Organi- Board CONSUMERS.—A House of Representa- ALLOWED.—A Ms. COMMISSION.—The State Trade Commission CONSUMER.—If the Federal Trade The Public Reference Branch ITED.—A INFORMATION.—If TAINED Senate the Committee on Banking

Act KLECZKA KENNEDY RUSH WYNN GONZALEZ SCHUMER SMITH FLAKE DISPUTE.—If BARRETT FILNER SHAYS ROYBAL-ALLARD GUTIERREZ JOHNSON FURSE PELOSI FIELDS FRANK WATT MAZZOLI BARLOW JURISDICTION.—Any MALONEY WATERS TORRES ENGEL RICHARDSON MATION

fair credit credit reporting reporting act consumer credit reporting transaction fair initiated adverse act improve offer added subsection accuracy employment