I 116th CONGRESS 1st Session H. R. 2753 IN THE HOUSE OF REPRESENTATIVES May 15, 2019 Mrs. Beatty introduced the following bill; which was referred to the Committee on Financial Services A BILL To amend the Fair Credit Reporting Act to require certain consumer reporting agencies to include a credit score when providing consumers with a free annual consumer report.

1. Short title This Act may be cited as the Free Credit Score Act of 2019 . 2. Inclusion of credit score with free annual report The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.) is amended— (1) in section 609(a)(1)(B), by inserting before the period the following: , except as required under section 612(a)(1)(D) ; and (2) in section 612(a)(1), by adding at the end the following: (D) Inclusion of credit score (i) In general A consumer reporting agency that provides a consumer report to a consumer pursuant to subparagraph (A) shall also provide such consumer with— (I) an explanation of how credit scores are calculated, including factors considered in credit scoring calculations; and (II) a credit score (as defined under section 609(f)). (ii) Rulemaking The Bureau shall issue rules— (I) to provide minimum criteria for explanations described under clause (i)(I); and (II) to require a credit score provided by a consumer reporting agency pursuant to clause (i) to be similar to the types of credit scores most commonly used by creditors. .