119-s656

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[S. 656 Introduced in Senate

    (IS) ]

<DOC>

119th CONGRESS
 1st Session
 S. 656

 To amend the Fair Credit Reporting Act to prohibit consumer reporting 
 agencies from furnishing consumer reports containing adverse items of 
 information about a consumer that resulted from that consumer being 
 unlawfully or wrongfully detained abroad or held hostage abroad.

_______________________________________________________________________

 IN THE SENATE OF THE UNITED STATES

 February 20, 2025

 Mr. Coons (for himself, Mr. Tillis, Mr. Wyden, Ms. Lummis, Mr. Van 
 Hollen, and Mr. Rounds) introduced the following bill; which was read 
 twice and referred to the Committee on Banking, Housing, and Urban 
 Affairs

_______________________________________________________________________

 A BILL

 To amend the Fair Credit Reporting Act to prohibit consumer reporting 
 agencies from furnishing consumer reports containing adverse items of 
 information about a consumer that resulted from that consumer being 
 unlawfully or wrongfully detained abroad or held hostage abroad.

 Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

 This Act may be cited as the ``Fair Credit for American Hostages 
Act of 2025''.

SEC. 2. ADVERSE INFORMATION ABOUT CONSUMERS UNLAWFULLY OR WRONGFULLY 
 DETAINED ABROAD OR HELD HOSTAGE ABROAD.

    (a) In General.--The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended by inserting after 

section 605C the following:
``

Sec. 605D. Adverse information about consumers unlawfully or 
 wrongfully detained abroad or held hostage abroad
 ``

    (a) 

=== Definitions. ===
-In this section:
 ``

    (1) Covered consumer.--The term `covered consumer' means 
 an individual who has been--
 ``
        (A) a United States national unlawfully or 
 wrongfully detained abroad, as determined under 

section 302

    (a) of the Robert Levinson Hostage Recovery and 
 Hostage-Taking Accountability Act (22 U.S.C. 1741

    (a) ); 
 or
 ``
        (B) a United States national taken hostage 
 abroad, as determined by the Hostage Recovery Fusion 
 Cell established by 

section 304 that Act (22 U.S.C. 
 1741b).
 ``

    (2) Detention or hostage documentation.--The term 
 `detention or hostage documentation' means documentation that--
 ``
        (A) certifies a consumer is a covered consumer 
 under this section;
 ``
        (B) identifies the time period during which the 
 covered consumer was unlawfully or wrongfully detained 
 abroad or held hostage abroad; and
 ``
            (C) is authenticated by--
 ``
            (i) the Special Presidential Envoy for 
 Hostage Affairs established by 

section 303 of 
 the Robert Levinson Hostage Recovery and 
 Hostage-Taking Accountability Act (22 U.S.C. 
 1741a); or
 ``
            (ii) the Hostage Recovery Fusion Cell 
 established by 

section 304 of that Act (22 
 U.S.C. 1741b).
 ``

    (b) Adverse Information.--If a consumer reporting agency 
described in 

section 603

    (p) is able to authenticate detention or 
hostage documentation provided by a covered consumer, the consumer 
reporting agency may not furnish a consumer report containing any 
adverse item of information about the covered consumer dating during 
the time period the covered consumer was unlawfully or wrongfully 
detained abroad or held hostage abroad.''.

    (b) Technical and Conforming Amendment.--The table of contents of 
the Fair Credit Reporting Act is amended by inserting after the item 
relating to 

section 605C the following:

``605D. Adverse information about consumers unlawfully or wrongfully 
 detained abroad or held hostage abroad.''.
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