II 115th CONGRESS 2d Session S. 3633 IN THE SENATE OF THE UNITED STATES November 15, 2018 Mr. Rubio (for himself and Mr. Kennedy ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To require that consumer reporting agencies provide small business credit protections.

1. Short title This Act may be cited as the Small Business Credit Protection Act . 2. Consumer reporting agencies (a) Definitions In this section: (1) Consumer reporting agency The term consumer reporting agency has the meaning given the term in section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ). (2) Small business concern The term small business concern has the meaning given the term in section 3 of the Small Business Act ( 15 U.S.C. 632 ). (b) Requirements A consumer reporting agency— (1) shall disclose to a small business concern within 30 days if their nonpublic business data has been breached; and (2) may not charge a small business concern for their credit report within 180 days following a breach. (c) No preemption Nothing in this Act shall preempt any State law with respect to consumer reporting agencies.