Bill Summary – FastDemocracy

ENROLLED ORIGINAL

                                             AN ACT

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                   IN THE COUNCIL OF THE DISTRICT OF COLUMBIA

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To amend, on an emergency basis, Chapter 38 of Title 28 of the District of Columbia Official

      Code to require credit reporting agencies to accept a personal statement from a consumer

      indicating the consumer experienced financial hardship resulting from a public health

      emergency, to prohibit users of credit reports from taking into consideration adverse

      information in a report that was the result of the consumer’s action or inaction that

      occurred during the public health emergency, to require credit reporting agencies to

      notify residents of the right to request a personal statement, and to provide for civil action

      for such violations.

       BE IT ENACTED BY THE COUNCIL OF THE DISTRICT OF COLUMBIA, That this

act may be cited as the “Public Health Emergency Credit Alert Emergency Amendment Act of

2023”.

        Sec. 2. Chapter 38 of Title 28 of the District of Columbia Official Code is amended as

follows:

        (a) The table of contents is amended by adding a new subchapter designation to read as

follows:

        “Subchapter IV. Public Health Emergency Credit Alert.

        “28-3871. Public health emergency credit alert.”.

        (b) A new section 28-3871 is added to read as follows:

        “§ 28-3871. COVID-19 Emergency credit alert.

        “(a)(1) If a consumer reports in good faith that the consumer has experienced financial

hardship resulting directly or indirectly from the public health emergency declared by the Mayor

(Mayor’s Order 2020-046) on March 11, 2020, a credit reporting agency maintaining a file on

the consumer shall accept and include in that file a personal statement furnished by the consumer

indicating that the consumer has been financially impacted by the COVID-19 emergency.

                “(2) A credit reporting agency shall provide that personal statement along with

any credit report provided by the agency, beginning on the date the credit reporting agency

receives the personal statement, unless the consumer requests that the personal statement be

removed.

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         “(b) This section shall not apply to a federal credit union, as defined by 12 U.S.C. §

1752(1), a national bank, as defined by 12 U.S.C. § 25b(a)(1), or a federal savings association, as

defined by 12 U.S.C. § 1462(3); except, that an exception granted by this subsection shall not

apply to any entity to which the savings clause at 12 U.S.C. § 25b(b)(2) applies.

         “(c) No user of a credit report shall consider adverse information in a report that was the

result of an action or inaction by a consumer that occurred during, and was directly or indirectly

the result of, the public health emergency declared by the Mayor (Mayor’s Order 2020-046) on

March 11, 2020, if the credit report includes a personal statement pursuant to subsection (a) of

this section.

         “(d) When a District resident requests a copy of a credit report pursuant to 15 U.S.C. §

1681j, the entity providing the credit report must notify the resident of the right to request a

personal statement to accompany the credit report.

         “(e) If a credit reporting agency violates this section, the affected consumer may bring a

civil action consistent with 15 U.S.C. § 1681n.

         “(f)(1) The Attorney General may petition the Superior Court of the District of Columbia

for temporary or permanent injunctive relief for, and for an award of damages for property loss

or harm suffered by a consumer as a consequence of, a violation of this section, or fraudulent or

deceptive conduct in violation of this section that harms a District resident.

                  “(2) In an action under this section, the Attorney General may recover:

                          “(A) A civil penalty not to exceed $1,000 for each violation; and

                          “(B) Reasonable attorney’s fees and costs of the action.

         “(g) The following terms shall have the same meaning as defined in § 28-3861:

                  “(1) Consumer;

                  “(2) Credit report; and

                  “(3) Credit reporting agency.

         “(h) This section shall not be construed in a manner inconsistent with 15 U.S.C. § 1681

et seq., or any other federal law or regulation.”.

       Sec. 3. Applicability.

       This act shall apply as of February 3, 2022.

       Sec. 4. Fiscal impact.

       The Council adopts the fiscal impact statement of the Budget Director as the fiscal impact

statement required by section 4a of the General Legislative Procedures Act of 1975, approved

October 16, 2006 (120 Stat. 2038; D.C. Official Code § 1-301.47a).

      Sec. 5. Effective date.

      This act shall take effect following approval by the Mayor (or in the event of veto by the

Mayor, action by the Council to override the veto), and shall remain in effect for no longer than

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90 days, as provided for emergency acts of the Council of the District of Columbia in section

412(a) of the District of Columbia Home Rule Act, approved December 24, 1973 (87 Stat. 788;

D.C. Official Code § 1-204.12(a)).

              ______________________________

              Chairman

              Council of the District of Columbia

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Mayor

District of Columbia

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