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108th CONGRESS
1st Session
H. R. 2622
To amend the Fair Credit Reporting Act, to prevent identity
theft, improve resolution of consumer disputes, improve the accuracy of
consumer records, make improvements in the use of, and consumer access to,
credit information, and for other purposes.
IN THE HOUSE OF
REPRESENTATIVES
June 26, 2003
Mr. BACHUS (for himself, Ms. HOOLEY of Oregon, Mrs.
BIGGERT, Mr. MOORE, Mr. LATOURETTE, Mr. KANJORSKI, Mr. CASTLE, Mrs.
MALONEY, Mr. SHADEGG, Mr. FORD, Mr. TIBERI, Mr. HINOJOSA, Mr. HENSARLING,
Mr. CROWLEY, Mr. SESSIONS, Mr. ROSS, Mr. MATHESON, Mr. DAVIS of Alabama,
Mr. BAKER, Mr. KING of New York, Mr. LUCAS of Oklahoma, Mr. LUCAS of
Kentucky, Mr. NEY, Mrs. KELLY, Mr. JONES of North Carolina, Mr. ISRAEL,
Ms. HART, Mr. MILLER of North Carolina, Mrs. CAPITO, Mrs. MCCARTHY of New
York, Mr. BARRETT of South Carolina, Mr. FEENEY, and Ms. HARRIS)
introduced the following bill; which was referred to the Committee on
Financial Services
A BILL
To amend the Fair Credit Reporting Act, to prevent identity
theft, improve resolution of consumer disputes, improve the accuracy of
consumer records, make improvements in the use of, and consumer access to,
credit information, and for other purposes.
Be it
enacted by the Senate and House of Representatives of the United States of
America in Congress assembled,
SECTION 1. SHORT TITLE; TABLE OF CONTENTS.
(a) SHORT
TITLE- This Act may be cited as the `Fair and Accurate Credit Transactions
Act of 2003'.
(b) TABLE OF
CONTENTS- The table of contents for this Act are as follows:
Sec. 1.
Short title; table of contents.
Sec. 2.
Definitions.
TITLE I--UNIFORM NATIONAL CONSUMER PROTECTION STANDARDS
Sec. 101.
Uniform national consumer protections standards made permanent.
TITLE II--IDENTITY THEFT PREVENTION
Sec. 201.
Investigating changes of address.
Sec. 202.
Fraud alerts.
Sec. 203.
Truncation of credit card and debit card account numbers.
Sec. 204.
Summary of rights of identity theft victims.
Sec. 205.
Blocking of information resulting from identity theft.
Sec. 206.
Establishment of procedures for depository institutions to identify
possible instances of identity theft.
TITLE III--IMPROVING RESOLUTION OF CONSUMER DISPUTES
Sec. 301.
Coordination of consumer complaint investigations.
Sec. 302.
Notice of dispute through reseller.
Sec. 303.
Prompt investigation of disputed consumer information.
TITLE IV--IMPROVING ACCURACY OF CONSUMER RECORDS
Sec. 401.
Reconciling addresses.
Sec. 402.
Prevention of repollution of consumer reports.
Sec. 403.
Notice by users with respect to fraudulent information.
TITLE V--IMPROVEMENTS IN USE OF AND CONSUMER ACCESS TO
CREDIT INFORMATION
Sec. 501.
Free reports annually.
Sec. 502.
Summary of credit scores.
Sec. 503.
Simpler and easier method for consumers to use notification system.
TITLE VI--PROTECTING EMPLOYEE MISCONDUCT INVESTIGATIONS
Sec. 601.
Certain employee investigation communications excluded from definition of
consumer report.
SEC. 2. DEFINITIONS.
Section 603
of the Fair Credit Reporting Act (15 U.S.C. 1681a) is amended by adding at
the end the following new subsections:
`(r)
RESELLER- The term `reseller' means a consumer reporting agency that--
`(1) acts as
a reseller of information by assembling and merging information contained
in the database of another consumer reporting agency or multiple consumer
reporting agencies; and
`(2) does
not maintain a permanent database of the assembled or merged information
from which new consumer reports are produced.
`(s) OTHER
DEFINITIONS-
`(1) BOARD;
CREDIT; CREDITOR- The terms `Board', `credit' and `creditor' have the same
meanings as in section 103 of the Truth in Lending Act.
`(2)
ELECTRONIC FUND TRANSFER- The term `electronic fund transfer' has the same
meaning as in section 903 of the Electronic Fund Transfer Act.
`(3) FEDERAL
BANKING AGENCY- The term `Federal banking agency' has the same meaning as
in section 3 of the Federal Deposit Insurance Act.
`(4)
IDENTITY THEFT- The term `identity theft' includes a violation of section
1028, 1029, or 1030 of title 18, United States Code.'.
TITLE
I--UNIFORM NATIONAL CONSUMER PROTECTION STANDARDS
SEC. 101. UNIFORM NATIONAL CONSUMER PROTECTIONS STANDARDS
MADE PERMANENT.
Section
624(d) of the Fair Credit Reporting Act (15 U.S.C. 1681t(d)) is amended--
(1) by
striking `Subsections (b) and (c)' and all that follows through `do not
affect any settlement,' and inserting `Subsections (b) and (c) do not
affect any settlement,'; and
(2) by
striking `Consumer Credit Reporting Reform Act of 1996' and all that
follows through the period at the end of paragraph (2) and inserting
`Consumer Credit Reporting Reform Act of 1996.'.
TITLE
II--IDENTITY THEFT PREVENTION
SEC. 201. INVESTIGATING CHANGES OF ADDRESS.
(a) IN
GENERAL- Section 605 of the Fair Credit Reporting Act (15 U.S.C. 1681c) is
amended by inserting after subsection (f), the following new subsection:
`(g)
INVESTIGATION OF CHANGES OF ADDRESS- If a credit card issuer receives a
request for an additional credit card with respect to an existing credit
card account within 30 days after receiving notification of a change of
address for that account, the card issuer shall--
`(1) notify
the cardholder of the request--
`(A) at both
the new address and the former address of the cardholder; or
`(B) by such
other means of communication as the cardholder and the credit card issuer
previously agreed to,
in
accordance with reasonable policies and procedures established by the card
issuer pursuant to regulations which the Board shall prescribe; and
`(2) provide
to the cardholder a means of promptly reporting incorrect changes.'.
(b) CLERICAL
AMENDMENTS-
(1) The
heading for section 605 of the Fair Credit Reporting Act is amended to
read as follows:
`Sec. 605. Requirements relating to information contained
in consumer reports and to identity theft.'.
(2) The
table of sections for title VI of the Consumer Credit Protection Act is
amended by striking the item relating to section 605 and inserting the
following new item:
`605.
Requirements relating to information contained in consumer reports and to
identity theft.'.
SEC. 202. FRAUD ALERTS.
Section 605
of the Fair Credit Reporting Act (15 U.S.C. 1681c) is amended by adding at
the end the following new subsection:
`(i) FRAUD
ALERTS-
`(1) IN
GENERAL- Upon the request of a consumer who asserts in good faith a
suspicion that the consumer has been or is about to become a victim of
fraud or related crime, and upon receiving proper identification, a
consumer reporting agency shall include a fraud alert in the file of that
consumer.
`(2) NOTICE
TO USERS- A consumer reporting agency shall notify each person procuring a
consumer report with respect to a consumer of the existence of a fraud
alert in effect for such consumer, regardless of whether a full credit
report, credit score, or summary report is requested.
`(3)
PROHIBITION- No user of a consumer report with a fraud alert may issue or
extend credit in the name of the consumer to a person other than the
consumer without attempting to obtain the authorization or
preauthorization of the consumer in the manner contained in the fraud
alert in effect for such consumer.
`(4)
DEFINITION- In this subsection, the term `fraud alert' means a clear and
conspicuous statement in the file of a consumer that notifies all
prospective users of a consumer report made with respect to that consumer
that the consumer does not authorize the issuance or extension of credit
in the name of the consumer unless--
`(A) the
issuer or extender of such credit first obtains verbal authorization from
the consumer at a telephone number designated by the consumer; or
`(B) the
issuer of such credit utilizes another reasonable means of communication
to obtain the express authorization or preauthorization of the consumer.
`(5)
EXCEPTIONS-
`(A)
RESELLERS-
`(i) IN
GENERAL- The provisions of this subsection shall not apply to a reseller.
`(ii)
LIMITATION- A reseller shall preserve any fraud alert placed on a consumer
report by another consumer reporting agency.
`(B) EXEMPT
INSTITUTIONS- The requirement under this subsection to place a fraud alert
in a consumer file shall not apply to--
`(i) a check
services company, which issues authorizations for the purpose of approving
or processing negotiable instruments, electronic funds transfers, or
similar methods of payments; or
`(ii) a
deposit account information service company, which issues reports
regarding account closures due to fraud, substantial overdrafts, automated
teller machine abuse, or similar negative information regarding a
consumer, to inquiring banks or other financial institutions for use only
in reviewing a consumer request for a demand deposit account at the
inquiring bank or financial institution.'.
SEC. 203. TRUNCATION OF CREDIT CARD AND DEBIT CARD ACCOUNT
NUMBERS.
(a) IN
GENERAL- Except as provided in this section, no person, firm, partnership,
association, corporation, or limited liability company that accepts credit
cards or debit cards for the transaction of business shall print more than
the last 4 digits of the card account number or the expiration date upon
any receipt provided to the cardholder at the point of the sale or
transaction.
(b)
LIMITATION- This section applies only to receipts that are electronically
printed, and does not apply to transactions in which the sole means of
recording the person's credit card or debit card account number is by
handwriting or by an imprint or copy of the card.
(c)
DEFINITIONS- For purposes of this section, the following definitions shall
apply:
(1) CREDIT
CARD- The term `credit card' has the same meaning as in section 103(k) of
the Truth in Lending Act.
(2) DEBIT
CARD- The term `debit card' means any card issued by a financial
institution to a consumer for use in initiating electronic fund transfers
(as defined in section 903(6) of the Electronic Fund Transfer Act) from
the account (as defined in such Act) of the consumer at such financial
institution for the purpose of transferring money between accounts or
obtaining money, property, labor, or services.
(d)
EFFECTIVE DATE- This section shall become effective on--
(1) January
1, 2007, with respect to any cash register or other machine or device that
electronically prints receipts for credit card or debit card transactions
that is in use before January 1, 2005; and
(2) January
1, 2005, with respect to any cash register or other machine or device that
electronically prints receipts for credit card or debit card transactions
that is first put into use on or after such date.
SEC. 204. SUMMARY OF RIGHTS OF IDENTITY THEFT VICTIMS.
(a) IN
GENERAL- Section 609 of the Fair Credit Reporting Act (15 U.S.C. 1681g) is
amended by adding at the end the following new subsection:
`(d) SUMMARY
OF RIGHTS OF IDENTITY THEFT VICTIMS- A consumer reporting agency shall
establish reasonable policies and procedures for providing consumers who
have reason to believe they are the victims of fraud or identity theft
involving credit, electronic fund transfers, or accounts or transactions
at or with a financial institution with a summary of the rights of
consumers under the Consumer Credit Protection Act and other provisions of
Federal law and procedures for remedying the effects of any such alleged
offense.'.
(b) BEST
PRACTICES- The Federal Trade Commission shall develop guidelines for model
policies and model
procedures with regard to the summary of rights required
under the amendment made by subsection (a).
SEC. 205. BLOCKING OF INFORMATION RESULTING FROM IDENTITY
THEFT.
Section 605
of the Fair Credit Reporting Act (15 U.S.C. 1681c) is amended by inserting
after subsection (i) (as added by section 202 of this title) the following
new subsection:
`(j) BLOCK
OF INFORMATION RESULTING FROM IDENTITY THEFT-
`(1) BLOCK-
Except as provided in paragraph (3) and not later than 30 days after the
date of receipt of proof of the identity of a consumer and an official
copy of a police report evidencing the claim of the consumer of identity
theft, a consumer reporting agency shall block the reporting of any
information identified by the consumer in the file of the consumer
resulting from the alleged identity theft, so that the information cannot
be reported.
`(2)
NOTIFICATION- A consumer reporting agency shall promptly notify the
furnisher of information identified by the consumer under paragraph (1)--
`(A) that
the information may be a result of identity theft;
`(B) that a
police report has been filed;
`(C) that a
block has been requested under this subsection; and
`(D) of the
effective date of the block.
`(3)
AUTHORITY TO DECLINE OR RESCIND-
`(A) IN
GENERAL- A consumer reporting agency may decline to block, or may rescind
any block, of consumer information under this subsection if--
`(i) the
consumer reporting agency reasonably determined that--
`(I) the
information was blocked due to a misrepresentation of fact by the consumer
relevant to the request to block; or
`(II) the
consumer knowingly obtained possession of goods, services, or moneys as a
result of the blocked transaction or transactions, or the consumer should
have known that the consumer obtained possession of goods, services, or
moneys as a result of the blocked transaction or transactions; or
`(ii) the
consumer agrees that the blocked information or portions of the blocked
information were blocked in error.
`(B)
NOTIFICATION TO CONSUMER- If the block of information is declined or
rescinded under this paragraph, the affected consumer shall be notified
promptly, in the same manner as consumers are notified of the reinsertion
of information under section 611(a)(5)(B).
`(C)
SIGNIFICANCE OF BLOCK- For purposes of this paragraph, if a consumer
reporting agency rescinds a block, the presence of information in the file
of a consumer prior to the blocking of such information is not evidence of
whether the consumer knew or should have known that the consumer obtained
possession of any goods, services, or monies as a result of the block.
`(4)
EXCEPTIONS-
`(A)
NEGATIVE INFORMATION DATA- A consumer reporting agency shall not be
required to comply with this subsection when such agency is issuing
information for authorizations, for the purpose of approving or processing
negotiable instruments, electronic funds transfers, or similar methods of
payment, based solely on negative information, including--
`(i)
dishonored checks;
`(ii)
accounts closed for cause;
`(iii)
substantial overdrafts;
`(iv) abuse
of automated teller machines; or
`(v) other
information which indicates a risk of fraud occurring.
`(B)
RESELLERS-
`(i) NO
RESELLER FILE- The provisions of this subsection do not apply to a
consumer reporting agency if the consumer reporting agency--
`(I) is a
reseller;
`(II) is
not, at the time of the request of the consumer under paragraph (1),
otherwise furnishing or reselling a consumer report concerning the
information identified by the consumer; and
`(III)
informs the consumer, by any means, that the consumer may report the
identity theft to the Federal Trade Commission to obtain consumer
information regarding identity theft.
`(ii)
RESELLER WITH FILE- The sole obligation of the consumer reporting agency
under this subsection, with regard to any request of a consumer under this
subsection, shall be to block the consumer report maintained by the
consumer reporting agency from any subsequent use if--
`(I) the
consumer, in accordance with the provisions of paragraph (1), identifies,
to a consumer reporting agency, information in the file of the consumer
that resulted from identity theft; and
`(II) the
consumer reporting agency is a reseller of the identified information.
`(iii)
NOTICE- In carrying out its obligation under clause (ii), the reseller
shall promptly provide a notice to the consumer of the decision to block
the file. Such notice shall contain the name, address, and telephone
number of each consumer reporting agency from which theconsumer
information was obtained for resale.'.
SEC. 206. ESTABLISHMENT OF PROCEDURES FOR DEPOSITORY
INSTITUTIONS TO IDENTIFY POSSIBLE INSTANCES OF IDENTITY THEFT.
(a) IN
GENERAL- Section 605 of the Fair Credit Reporting Act (15 U.S.C. 1681c) is
amended by inserting after subsection (j) (as added by section 205 of this
title) the following new subsection:
`(k) `RED
FLAG' GUIDELINES REQUIRED- The Federal banking agencies shall jointly
establish and maintain guidelines for use by insured depository
institutions in identifying patterns, practices, and specific forms of
activity that indicate the possible existence of identity theft, and
update such guidelines as often as necessary.'.
(b)
EFFECTIVE DATE- The amendment made by subsection (a) shall take effect at
the end-of the 1-year period beginning the date of the enactment of this
Act.
TITLE
III--IMPROVING RESOLUTION OF CONSUMER DISPUTES
SEC. 301. COORDINATION OF CONSUMER COMPLAINT
INVESTIGATIONS.
Section 621
of the Fair Credit Reporting Act (15 U.S.C. 1681s) is amended by adding at
the end the following new subsections:
`(f)
COORDINATION OF CONSUMER COMPLAINT INVESTIGATIONS- Not later than 365 days
after the date of enactment of the Fair and Accurate Credit Transactions
Act of 2003, the Federal Trade Commission shall prescribe rules in
accordance with section 553 of title 5, United States Code--
`(1) to
develop procedures for referral of consumer complaints under this title
about identity theft and fraud alerts between and among the consumer
reporting agencies and the Commission; and
`(2) to
develop a model form and model procedures to be used by consumers who are
victims of identity fraud for contacting and informing creditors and
consumer reporting agencies of the fraud.'.
SEC. 302. NOTICE OF DISPUTE THROUGH RESELLER.
Section
611(a)(1)(A) of the Fair Credit Reporting Act (15 U.S.C. 1681i(a)(1)(A))
is amended by inserting `, or indirectly through a reseller,' after
`notifies the agency directly'.
SEC. 303. PROMPT INVESTIGATION OF DISPUTED CONSUMER
INFORMATION.
(A) STUDY
REQUIRED- The Board of Governors of the Federal Reserve System and the
Federal Trade Commission shall each study the extent to which, and the
manner in which, consumer reporting agencies and furnishers of consumer
information to consumer reporting agencies are complying with the
procedures, time lines, and requirements under the Fair Credit Reporting
Act for the prompt investigation of the disputed accuracy of any consumer
information and the prompt correction or deletion, in accordance with such
Act, of any inaccurate or incomplete information or information that
cannot be verified.
(b) REPORT
REQUIRED- Before the end of the 6-month period beginning on the date of
the enactment of this Act, the Board of Governors of the Federal Reserve
System and the Federal Trade Commission shall each submit a progress
report to the Congress on the results of the study required under
subsection (a).
(c)
RECOMMENDATIONS- The report under subsection (b) shall include such
recommendations as the Board and the Commission determine to be
appropriate for legislative or administrative action to ensure that--
(1) consumer
disputes with consumer reporting agencies over the accuracy or
completeness of information in a consumer's file are promptly and fully
investigated and any incorrect, incomplete, or unverifiable information is
immediately corrected or deleted;
(2)
furnishers of information to consumer reporting agencies maintain full and
prompt compliance with the duties and responsibilities established under
section 623 of the Fair Credit Reporting Act; and
(3) consumer
reporting agencies establish and maintain appropriate internal controls
and management review procedures for maintaining full and continuous
compliance with the procedures, time lines, and requirements under the
Fair Credit Reporting Act for the prompt investigation of the disputed
accuracy of any consumer information and the prompt correction or
deletion, in accordance with such Act, of any inaccurate or incomplete
information or information that cannot be verified.
(d)
DEFINITIONS- For purposes of this section, the terms `consumer', `consumer
report', and `consumer reporting agency' have the same meaning as in the
Fair Credit Reporting Act.
TITLE
IV--IMPROVING ACCURACY OF CONSUMER RECORDS
SEC. 401. RECONCILING ADDRESSES.
Section 605
of the Fair Credit Reporting Act (15 U.S.C. 1681c) is amended by inserting
after subsection (g) (as added by section 201 of this Act) the following
new subsection.
`(h) NOTICE
OF DISCREPANCY- In any case in which a person has requested a consumer
report relating to a consumer, and the request includes an address for the
consumer that substantially differs from the most recent address in the
file of the consumer, the consumer reporting agency shall--
`(1) notify
the requester of the discrepancy; and
`(2)
reconcile or resolve, within 30 days, any substantial variation between
the most recent address in the file of the consumer at the agency and the
address contained in the request, in accordance with reasonable policies
and procedures established by the consumer reporting agency.'.
SEC. 402. PREVENTION OF REPOLLUTION OF CONSUMER REPORTS.
Section
623(a)(1) of the Fair Credit Reporting Act (15 U.S.C. 1681s-2(a)(1)) is
amended by adding at the end the following new subparagraph:
`(D)
INFORMATION KNOWN TO INCLUDE IDENTITY THEFT ACTIVITY- A person may not
furnish information to any consumer reporting agency that the person knows
or has reason to believe has resulted from fraudulent activity, including
identity theft.'.
SEC. 403. NOTICE BY USERS WITH RESPECT TO FRAUDULENT
INFORMATION.
Section 615
of the Fair Credit Reporting Act (15 U.S.C. 1681m) is amended by adding at
the end the following new subsection:
`(e) NOTICE
OF FRAUDULENT INFORMATION RELATING TO IDENTITY THEFT- Any assignee or
agent, including a debt collector (as defined in title VIII), of a person
who uses a consumer report on any consumer, who learns that any
information in such consumer report is fraudulent and may be the result of
identity theft shall notify the person of such fraudulent information.'.
TITLE
V--IMPROVEMENTS IN USE OF AND CONSUMER ACCESS TO CREDIT INFORMATION
SEC. 501. FREE REPORTS ANNUALLY.
Section
612(c) of the Fair Credit Reporting Act (15 U.S.C. 1681j(c)) is amended to
read as follows:
`(c) FREE
ANNUAL DISCLOSURE- Upon the request of the consumer, a consumer reporting
agency shall make all disclosures pursuant to section 609 once during any
12-month period without charge to the consumer.'.
SEC. 502. SUMMARY OF CREDIT SCORES.
Section
609(a)(1) of the Fair Credit Reporting Act (15 U.S.C. 1681g(a)(1)) is
amended by striking `except that nothing' and all that follows through the
period at the end and inserting `including a summary of how any individual
credit score of the consumer was derived and how such score might be
improved.'.
SEC. 503. SIMPLER AND EASIER METHOD FOR CONSUMERS TO USE
NOTIFICATION SYSTEM.
(a) IN
GENERAL- Section 604(e)(5)(A)(i) of the Fair Credit Reporting Act (15
U.S.C. 1681b(e)(5)(A)(i)) is amended by inserting `in a simple and easy
manner and' after `notify the agency,'.
(b)
TECHNICAL AND CONFORMING AMENDMENT- Section 615(d) of the Fair Credit
Reporting Act (15 U.S.C. 1681m(d)) is amended--
(1) by
redesignating paragraphs (2), (3), and (4), as paragraphs (3), (4) and
(5); and
(2) by
inserting after paragraph (1) the following new paragraph:
`(2) SIMPLE
AND EASY NOTIFICATION- Any statement given the consumer under paragraph
(1)(E) shall be in a simple and easy to understand format and shall afford
a simple and easy method for the consumer to respond.'.
TITLE
VI--PROTECTING EMPLOYEE MISCONDUCT INVESTIGATIONS
SEC. 601. CERTAIN EMPLOYEE INVESTIGATION COMMUNICATIONS
EXCLUDED FROM DEFINITION OF CONSUMER REPORT.
(a) IN
GENERAL- Section 603 of the Fair Credit Reporting Act (15 U.S.C. 1681a) is
amended--
(1) by
redesignating subsection (p) as subsection (q); and
(2) by
inserting after subsection (o) the following new subsection:
`(p)
EXCLUSION OF CERTAIN COMMUNICATIONS FOR EMPLOYEE INVESTIGATIONS-
`(1)
COMMUNICATIONS DESCRIBED IN THIS SUBSECTION- A communication is described
in this subsection if--
`(A) but for
subsection (d)(2)(D), the communication would be a consumer report;
`(B) the
communication is made to an employer in connection with an investigation
of--
`(i)
suspected misconduct relating to employment; or
`(ii)
compliance with Federal, State, or local laws and regulations, the rules
of a self-regulatory organization, or any preexisting written policies of
the employer;
`(C) the
communication is not made for the purpose of investigating a consumer's
credit worthiness, credit standing, or credit capacity; and
`(D) the
communication is not provided to any person except--
`(i) to the
employer or an agent of the employer;
`(ii) to any
Federal or State officer, agency, or department, or any officer, agency,
or department of a unit of general local government;
`(iii) to
any self-regulatory organization with regulatory authority over the
activities of the employer or employee;
`(iv) as
otherwise required by law; or
`(v)
pursuant to section 608.
`(2)
SUBSEQUENT DISCLOSURE- After taking any adverse action based in whole or
in part on a communication described in paragraph (1), the employer shall
disclose to the consumer a summary containing the nature and substance of
the communication upon which the adverse action is based, except that the
sources of information acquired solely for use in preparing what would be
but for subsection (d)(2)(D) an investigative consumer report need not be
disclosed.
`(3)
SELF-REGULATORY ORGANIZATION DEFINED- For purposes of this subsection, the
term `self-regulatory organization' includes any self-regulatory
organization (as defined in section 3(a)(26) of the Securities Exchange
Act of 1934), any entity established under Title I of the Sarbanes-Oxley
Act of 2002, any board of trade designated by the Commodity Futures
Trading Commission, and any futures association registered with such
Commission.'.
(b)
TECHNICAL AND CONFORMING AMENDMENT- Section 603(d)(2)(D) of the Fair
Credit Reporting Act (15 U.S.C. 1681a(d)(2)(D)) is amended by inserting
`or (p)' after `subsection (o)'.
END
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