BILLS-103hr1015pcs.pdf

1994 5-day 30-day 60-day 5 days 15 U.S.C. 1681b 5 business days 1-year 2-year 15 days 455 days 60 days 3 business days JUNE 14 15 U.S.C. 1681e the end of the SEMIANNUAL the next 60 days 10 years the month 17 180-day 455-day the preceding 60 days Act of 1978 15 U.S.C. 1681h 15 U.S.C. 1681q 12-MONTH PERIOD more than one year 5 years more than 2 years June 13, 1994 20 year the beginning of the Fair Credit Reporting Act 12 1681b U.S.C. 1681h 2 years 15 U.S.C. 1681r at least annually 3-year 24 1994 the 365-day later than 12 months the year January 1, 2003 the 3rd day 15 U.S.C. 1681 6-month 13 days 6 year period

SESSION H. R. 1015 the ‘‘Consumer Reporting Common-

the United States United States Puerto Rico Washington the District of Columbia the United States of America

SEC State U.S.C. Fair Commission the Federal Trade Commission the Fair Credit Reporting Act Federal the Federal Bureau of Investigation Trade Commission GENERAL.—If Federal Trade Commission FEES.—On the Department of Justice Federal Bureau of Investigation TAIN Congress the Federal Trade Commission Act the Federal Bureau FTC COMMISSION.—The State Federal Trade the Federal Trade Commis- Senate ALLOWED.—A House of Representa- the Committee on Banking, Housing, and Urban Affairs CONSUMERS.—A the Equal Credit Opportunity Act Federal Trade Commission fidelity the Federal Bureau of Inves- REQUIRED.—A NUMBER.—A FEDERAL RESERVE BOARD AUTHORITY FEDERAL BUREAU OF IN- INFORMATION.—A Federal Bureau Consumer Report- HR 1015 PCS——8 IDENTIFICATION.—A Board the ‘Credit Repair Organi- 9 Commission the Internal Revenue Code United

Act MATION nies DONNALD K. ANDERSON Robert T.

fair credit credit reporting consumer reporting act credit pcs offer reporting transaction criteria fair adverse affiliated added subsection section following