US Congress House Bill 3642 (Prior Session Legislation)

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Spectrum: Partisan Bill (Democrat 1-0)
Status: Introduced on July 9 2019 - 25% progression, died in chamber
Action: 2019-12-23 - Placed on the Union Calendar, Calendar No. 288.
Text: Latest bill text (Introduced) [PDF]

Generally modifies requirements related to consumer credit reporting. Specifically, it revises the dispute process for consumers challenging information contained on their credit report, establishes an appeals process for disputed information, and establishes the right to injunctive relief. The bill also requires additional disclosures from credit reporting agencies and furnishers of credit information, prohibits automatic renewals for promotional consumer credit products and services, and makes other related changes. Additionally, the bill directs the Consumer Financial Protection Bureau to issue rules under this bill, including rules to provide for (1) accuracy and completeness in credit reports; (2) access to consumer reporting information for nonnative English speakers, the visually impaired, and the hearing impaired; and (3) the registration of consumer reporting agencies.

Improving Credit Reporting for All Consumers Act

Rep. Alma Adams [D-NC]

Date	Chamber	Action
2019-12-23	House	Placed on the Union Calendar, Calendar No. 288.
2019-12-23	House	Reported (Amended) by the Committee on Financial Services. H. Rept. 116-363.
2019-07-11	House	Ordered to be Reported (Amended) by the Yeas and Nays: 32 - 26.
2019-07-11	House	Committee Consideration and Mark-up Session Held.
2019-07-09	House	Referred to the House Committee on Financial Services.
2019-07-09	House	Introduced in House

HB3621 (Related) 2020-01-30 - Received in the Senate.

Type	Source
Summary	https://www.congress.gov/bill/116th-congress/house-bill/3642/all-info
Text	https://www.congress.gov/116/bills/hr3642/BILLS-116hr3642ih.pdf
Text	https://www.congress.gov/116/bills/hr3642/BILLS-116hr3642rh.pdf