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![handle is hein.congrecreports/crptxacyu0001 and id is 1 raw text is: AUTHENTICATEO
U.S. GOVERNMENT
INFORMATION
Op
116TH CONGRESS REPORT
1st Session HOUSE OF REPRESENTATIVES 116-362
RESTORING UNFAIRLY IMPAIRED CREDIT AND
PROTECTING CONSUMERS ACT
DECEMBER 23, 2019.-Committed to the Committee of the Whole House on the State
of the Union and ordered to be printed
Ms. WATERS, from the Committee on Financial Services,
submitted the following
REPORT
together with
MINORITY VIEWS
[To accompany H.R. 3622]
[Including cost estimate of the Congressional Budget Office]
The Committee on Financial Services, to whom was referred the
bill (H.R. 3622) to amend the Fair Credit Reporting act to restore
the impaired credit of victims of predatory activities and unfair
consumer reporting practices, to expand access to tools to protect
vulnerable consumers from identity theft, fraud, or a related crime,
and protect victims from further harm, and for other purposes,
having considered the same, report favorably thereon with an
amendment and recommend that the bill as amended do pass.
CONTENTS
Page
P urpose an d Sum m ary ............................................................................................ 18
Background and Need for Legislation .................................................................... 18
Section-by-Section A nalysis .................................................................................... 20
H e arin g s ................................................................................................................... 2 4
C om m ittee C onsideration ........................................................................................ 24
C om m ittee V otes ...................................................................................................... 24
Statement of Oversight Findings and Recommendations of the Committee ...... 27
Statement of Performance Goals and Objectives .................................................. 27
New Budget Authority and CBO Cost Estimate ................................................... 27
C om m ittee C ost E stim ate ....................................................................................... 31
U nfunded M andate Statem ent ............................................................................... 31
A dvisory C om m ittee ................................................................................................ 31
Application of Law to the Legislative Branch ....................................................... 31
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