; and (5) by inserting after section 413 the following: 2 CREDIT AND IDENTITY PROTECTION AND CREDIT EDUCATION Sec. 421. Short title. Sec. 422. Findings. Sec. 423. Definitions. Sec. 424. Promotion of credit and identity protection services and credit education services. Sec. 425. Applicability of Credit Repair Organizations Act to activities of authorized credit services providers other than credit and identity protection services or credit education services. Sec. 426. Relation to State law. Sec. 427. Process for registering as authorized credit services provider. 421. Short title This chapter may be cited as the Credit Services Protection Act . 422. Findings The Congress makes the following findings: (1) Consumer reports and credit scores have become widely available to consumers. In order to fully benefit from such access, however, consumers also need the tools to understand and improve their credit standing. By doing so consumers can gain greater access to credit and on better terms, which can help alleviate poverty, sustain the middle class, and grow the economy. (2) As cyber-attacks and data breaches have proliferated, consumers’ credit standing has also become increasingly threatened by identity theft, fraud, and other forms of unauthorized access. To help protect against these threats, consumers turn to credit monitoring and other credit and identity protection tools and services. (3) Enacted in 1996, the Credit Repair Organizations Act ( 15 U.S.C. 1679 et seq.) remains an important law to protect consumers from exploitation, but in recent years the law also has worked to prevent credit education and credit and identity theft protection services from reaching consumers. (4) The provision of credit and identity protection services and credit education services should be accompanied by reasonable and appropriate consumer protections. (5) Persons who choose to register as an authorized credit services provider pursuant to section 427 and who offer, sell, provide, or perform credit and identity protection