S.Amdt. 1053

SA 1053. Mr. BROWN submitted an amendment intended to be proposed by
him to the bill H.R. 2810, to authorize appropriations for fiscal year
2018 for military activities of the Department of Defense, for military
construction, and for defense activities of the Department of Energy,
to prescribe military personnel strengths for such fiscal year, and for
other purposes; which was ordered to lie on the table; as follows:

At the end of subtitle __ of title __, add the following:

SEC. ____. PROTECTION OF CREDIT INFORMATION OF
SERVICEMEMBERS.

(a) In General.--Title II of the Servicemembers Civil
Relief Act (50 U.S.C. 3931 et seq.) is amended by adding at
the end the following:

``SEC. 209. PROTECTION OF CREDIT INFORMATION OF
SERVICEMEMBERS.

``(a) Definitions.--In this section--
``(1) the terms `consumer reporting agency' and `file' have
the meanings given those terms in section 603 of the Fair
Credit Reporting Act (15 U.S.C. 1681a);
``(2) the term `covered consumer reporting agency' means a
consumer reporting agency that maintained a file on a
servicemember whose personally identifiable information--
``(A) was in the file; and
``(B) was accessed in a manner not authorized by law; and
``(3) `covered servicemember' means a servicemember whose
personally identifiable information--
``(A) was in a file maintained by a consumer reporting
agency; and
``(B) was accessed in a manner not authorized by law.
``(b) Convenient, Cost-free Credit Freeze for
Servicemembers.--A consumer reporting agency shall provide to
each servicemember a convenient, cost-free method to prohibit
all consumer reporting agencies from releasing any
information in the file of the servicemember for the purpose
of the marketing or extension of credit or opening of any
financial account without the express authorization of the
servicemember.
``(c) Required Notification.--
``(1) Initial notification.--Not later than 10 days after
the date on which a covered consumer reporting agency
discovers that the personally identifiable information of a
covered servicemember in a file maintained by the consumer
reporting agency has been accessed in a manner not authorized
by law, the covered consumer reporting agency shall notify
the covered servicemember of the unauthorized access,
including a detailed description of what information was
accessed.
``(2) Annual notification.--A covered consumer reporting
agency shall submit to the covered servicemember annually the
notification described in that paragraph (1) for a 10-year
period beginning on the date on which the covered consumer
reporting agency discovers the unauthorized access.
``(d) Reimbursement for Credit Monitoring.--A covered
consumer reporting agency shall reimburse a covered
servicemember the cost of 10 years of a credit monitoring and
identity theft product chosen by the covered servicemember.
``(e) Regulations.--Not later than 1 year after the date of
enactment of this section, the Bureau of Consumer Financial
Protection shall promulgate regulations carrying out this
section, including the method and content of the
notifications required under subsection (c).
``(f) Applicability.--This section shall apply to any
personally identifiable information accessed in a manner not
authorized by law on or after January 1, 2017.''.
(b) Technical and Conforming Amendment.--The table of
contents of the Servicemembers Civil Relief Act (50 U.S.C.
3901) is amended by inserting after the item relating to
section 208 the following:

``Sec. 209. Protection of credit information of servicemembers.''.
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