USE OF CONSUMER REPORTS.

SEC. 1100F. USE OF CONSUMER REPORTS. Section 615 of the Fair Credit Reporting Act (15 U.S.C. 1681m) is amended—(1) in subsection (a)—(A) by redesignating paragraphs (2) and (3) as paragraphs (3) and (4), respectively;(B) by inserting after paragraph (1) the following:“(2) provide to the consumer written or electronic disclosure—“(A) of a numerical credit score as defined in section 609(f)(2)(A) used by such person in taking any adverse action based in whole or in part on any information in a consumer report; and“(B) of the information set forth in subparagraphs (B) through (E) of section 609(f)(1);”; and(C) in paragraph (4) (as so redesignated), by striking “paragraph (2)” and inserting “paragraph (3)”; and(2) in subsection (h)(5)—(A) in subparagraph (C), by striking “; and” and inserting a semicolon;(B) in subparagraph (D), by striking the period and inserting “; and”; and(C) by inserting at the end the following:“(E) include a statement informing the consumer of—“(i) a numerical credit score as defined in section 609(f)(2)(A), used by such person in making the credit decision described in paragraph (1) based in whole or in part on any information in a consumer report; and“(ii) the information set forth in subparagraphs (B) through (E) of section 609(f)(1).”.