; or (2) treat negatively the absence of payment history data for an existing account, whether the account is open or closed, where the absence of such information is the result of a consumer’s participation in credit restoration or rehabilitation under section 605D, 605E, or 605F. (c) Prohibition related to adverse actions and risk-Based pricing decisions No person shall use information related to a consumer’s participation in credit restoration or rehabilitation under section 605D, 605E, or 605F in connection with any determination of— (1) the consumer’s eligibility or continued eligibility for an extension of credit; (2) the terms and conditions offered to a consumer regarding an extension of credit; or (3) an adverse action made for employment purposes. ; and (2) in the table of contents for such Act, by adding at the end the following new item: 630. Prohibition of certain factors related to Federal credit restoration or rehabilitation. . II Expanding access to tools to protect vulnerable consumers from identity theft, fraud, or a related crime, and protect victims from further harm 201. Identity theft report definition Paragraph (4) of section 603(q) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a(q)(4) ) is amended to read as follows: (4) Identity theft report The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report— (A) that is a standardized affidavit that alleges that a consumer has been a victim of identity theft, fraud, or a related crime, or has been harmed by the unauthorized disclosure of the consumer’s financial or personally identifiable information, that was developed and made available by the Bureau; or (B) (i) that alleges an identity theft, fraud, or a related crime, or alleges harm from the unauthorized disclosure of the consumer’s financial or personally identifiable information