1. Short title This Act may be cited as the Protecting Innocent Consumers Affected by a Shutdown Act . 2. Definition of employee affected by a shutdown Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), as amended by section 302(b)(1) of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115–174 ), is amended by adding at the end the following: (bb) Employee affected by a shutdown With respect to a shutdown, the term employee affected by a shutdown means a consumer who— (1) is an employee of— (A) the Federal Government, and who is furloughed or excepted from a furlough during the shutdown; (B) the District of Columbia, and who is not receiving pay because of the shutdown; or (C) a Federal contractor (as defined under section 7101 of title 41, United States Code) or other business, and who has experienced a substantial reduction in pay (directly or indirectly) due to the shutdown; and (2) who— (A) is listed in the database established under section 630