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H. Rept. 116-362 1 (2019-12-23)

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 99-006