BILLS-103hr5178cph.pdf

1994 5 business days 2-year 1978 15 U.S.C. 1681e 30-day 15 U.S.C. 1681b 60-day later than July 1, 1995 60 days the beginning of the Fair Credit Reporting Act more than one year 3 business days 90 days 5-day 180-day later than 30 days 4 1994 365 days the preceding 60 days 16 month 15 U.S.C. 1681h 15 U.S.C. 1681q semiannual 4 months October 1 the month 19 1971 8 year 1681c later than 90 days later than July 1 July 1 455 days 24 month 1-year 2 years 240-day 7-year 15 U.S.C. 1681r OCTOBER 5, 1994 3-year July 1, 1994 the day before the date the 3rd day 15 U.S.C. 1681 13 days 1986 July 1 1, 1994 February 1, 1995

the ‘‘Consumer Reporting Common- SESSION H. R. 5178

CPH United States Florida Alabama the United States Georgia Puerto Rico Washington the United States of America Treas- Vermont the District of Columbia

System

SEC State U.S.C. Federal Fair Commission the Board of Governors the Federal Trade Commission Federal Trade Commission Senate GENERAL.—If the Federal Bureau of Investigation FBI Congress the Fair Credit Reporting Act the Federal Trade the Federal Reserve System FTC the Comptroller of the Currency the Foreign Intelligence Surveillance Act the Federal Bureau the Federal Deposit Insurance Act Trade Commission United the Committee on Banking FEES.—On Federal Trade FEDERAL RESERVE BOARD AUTHORITY •HR Board Federal Deposit the Internal Revenue Code THE HOUSE OF REPRESENTATIVES the Federal Deposit Insurance REQUIRED.—The Board mary Federal Depository Institutions Management termine REPORT.—If INGS the Office of Thrift the Federal Trade Commis- the Federal Deposit 1 Insurance Act House of Representa- TUTIONS the Federal Trade Commission Act TEM ALLOWED.—A

Act LINDER KENNEDY Robert T. Stafford Disaster Relief LEACH Robert T. Stafford Disaster Relief and Emergency MCCANDLESS NOTIFICATION.—A MATION LAROCCO ert T. Stafford Disaster Relief and Emergency Assistance 4 Act Robert T. GONZALEZ

consumer reports information consumer credit reporting amendments relating fair credit reporting act consumer cph credit adverse consumer report sec amendments offer reporting refusal