Fair Credit for American Hostages Act

“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 (as described in section 304 of the Robert Levinson Hostage Recovery and Hostage-Taking Accountability Act (22 U.S.C. 1741b).

“(2) Detention or hostage documentation—The term detention or hostage documentation means—

“(A) documentation of a determination that a consumer is a covered consumer, including the time period during which the consumer was a covered consumer made by a Federal entity; and

“(B) documentation that identifies items of adverse information that should not be furnished by a consumer reporting agency because the items were about a consumer during the time period the consumer was a covered consumer.

“(b) Adverse information—A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a covered consumer if the covered consumer has provided detention or hostage documentation to the consumer reporting agency.

“(c) Rulemaking

“(1) In general—Not later than 180 days after the date of the enactment of this section, the Director shall issue rules to implement subsection (a).

“(2) Contents—The rules issued pursuant to paragraph (1) shall establish a method by which consumers or legal representatives of consumers shall submit detention or hostage documentation to consumer reporting agencies.”