Fair Credit for American Hostages Act

This Act may be cited as the Fair Credit for American Hostages Act.

The Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) is amended by inserting after section 605C the following:

In this section:

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).

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).

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 from the time period the covered consumer was unlawfully or wrongfully detained abroad or held hostage abroad.

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The table of contents of the Fair Credit Reporting Act is amended by inserting after the item relating to section 605C the following:

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