• Amends the Fair Credit Reporting Act to explicitly permit landlords, the Department of Housing and Urban Development, and utility/telecommunications companies to report consumer payment history to consumer reporting agencies
• Prohibits energy utility firms from reporting a consumer's outstanding balance as late if the consumer has entered into a payment plan with the utility and is meeting its obligations
• Requires the Comptroller General to submit a report to Congress within 2 years on the impact of this reporting on consumers and the effect of consumer cash flow data on credit scores

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