Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020

Summary

Student Borrower Credit Improvement Act This bill prohibits a consumer reporting agency from furnishing a consumer report containing any adverse item of information relating to a delinquent or defaulted private education loan of a borrower who has a specified demonstrated history of loan repayment.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

1. 5 July 2019

   Introduced

   Referred to the House Committee on Financial Services.

   Source: IntroReferral

2. 5 July 2019

   Introduced

   Introduced in House

   Source: IntroReferral

3. 5 July 2019

   Introduced

   Introduced in House

   Source: IntroReferral

4. 16 July 2019

   Vote

   Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 25.

   Source: Committee

5. 16 July 2019

   Committee

   Committee Consideration and Mark-up Session Held.

   Source: Committee

6. 9 December 2019

   Calendars

   Placed on the Union Calendar, Calendar No. 266.

   Source: Calendars

7. 9 December 2019

   Reported

   Reported (Amended) by the Committee on Financial Services. H. Rept. 116-331.

   Source: Committee

8. 9 December 2019

   Reported

   Reported (Amended) by the Committee on Financial Services. H. Rept. 116-331.

   Source: Committee

9. 27 January 2020

   Reported

   Rules Committee Resolution H. Res. 811 Reported to House. Rule provides for consideration of H.R. 3621. The resolution makes in order a motion that the House concur in the Senate amendment with amendments to H.R. 550. The resolution provides for H.R. 3621 under a structured rule.

   Source: Floor

10. 28 January 2020

    Passed

    Rule H. Res. 811 passed House.

    Source: Floor

11. 29 January 2020

    Passed

    Motion to reconsider laid on the table Agreed to without objection.

    Source: Floor

12. 29 January 2020

    Vote

    On passage Passed by the Yeas and Nays: 221 - 189 (Roll no. 31).

    Source: Floor

13. 29 January 2020

    Vote

    Passed/agreed to in House: On passage Passed by the Yeas and Nays: 221 - 189 (Roll no. 31).

    Source: Floor

14. 29 January 2020

    Vote

    On motion to recommit with instructions Failed by the Yeas and Nays: 201 - 208 (Roll no. 30).

    Source: Floor

15. 29 January 2020

    Floor

    The previous question on the motion to recommit with instructions was ordered without objection.

    Source: Floor

16. 29 January 2020

    Floor

    Mr. Hill (AR) moved to recommit with instructions to the Committee on Financial Services. (text: CR H698-699)

    Source: Floor

17. 29 January 2020

    Passed

    The House adopted the amendments en gross as agreed to by the Committee of the Whole House on the state of the Union.

    Source: Floor

18. 29 January 2020

    Floor

    The previous question was ordered pursuant to the rule.

    Source: Floor

19. 29 January 2020

    Floor

    The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3621.

    Source: Floor

20. 29 January 2020

    Floor

    The House resolved into Committee of the Whole House on the state of the Union for further consideration.

    Source: Floor

21. 29 January 2020

    Floor

    Committee of the Whole House on the state of the Union rises leaving H.R. 3621 as unfinished business.

    Source: Floor

22. 29 January 2020

    Passed

    On motion that the Committee rise Agreed to by voice vote.

    Source: Floor

23. 29 January 2020

    Floor

    Mr. Lawson (FL) moved that the Committee rise.

    Source: Floor

24. 29 January 2020

    Floor

    Rule provides for consideration of H.R. 3621. The resolution makes in order a motion that the House concur in the Senate amendment with amendments to H.R. 550. The resolution provides for H.R. 3621 under a structured rule.

    Source: Floor

25. 29 January 2020

    Floor

    The Speaker designated the Honorable Gregorio Kilili Camacho Sablan to act as Chairman of the Committee.

    Source: Floor

26. 29 January 2020

    Floor

    House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 811 and Rule XVIII.

    Source: Floor

27. 29 January 2020

    Floor

    Considered under the provisions of rule H. Res. 811. (consideration: CR H653-697; text: CR H661-681)

    Source: Floor

28. 30 January 2020

    Introduced

    Received in the Senate.

    Source: IntroReferral

Votes

Versions

• Received in Senate · 30 January 2020 · Download file
• Engrossed in House · 29 January 2020 · Download file
• Reported in House · 9 December 2019 · Download file
• Introduced in House · 5 July 2019 · Download file

Documents

11 official files

• Received in Senate (text)

  Received in Senate · EN · 30 January 2020

  ViewDownloadOpen at official source

• Received in Senate (PDF)

  Received in Senate · EN · 30 January 2020

  ViewDownloadOpen at official source

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• Engrossed in House (text)

  Engrossed in House · EN · 29 January 2020

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• Engrossed in House (PDF)

  Engrossed in House · EN · 29 January 2020

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• Passed House

  summary · EN · 29 January 2020

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• Reported in House (text)

  Reported in House · EN · 9 December 2019

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• Reported in House (PDF)

  Reported in House · EN · 9 December 2019

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• Reported to House

  summary · EN · 9 December 2019

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• Introduced in House (text)

  Introduced in House · EN · 5 July 2019

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• Introduced in House (PDF)

  Introduced in House · EN · 5 July 2019

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  Vertaal document

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• Introduced in House

  summary · EN · 5 July 2019

  Open at official source

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Sponsors

• Rep. Pressley, Ayanna [D-MA-7] · D · Sponsor
• Rep. Ocasio-Cortez, Alexandria [D-NY-14] · D · Cosponsor
• · hsba00 · Standing

Related records

• related to → Restricting Credit Checks for Employment Decisions Act
• related to → Free Credit Scores for Consumers Act of 2019
• related to → Restoring Unfairly Impaired Credit and Protecting Consumers Act
• related to → Clarity in Credit Score Formation Act of 2019
• related to → Improving Credit Reporting for All Consumers Act
• related to ← Protecting Innocent Consumers Affected by a Shutdown Act
• related to ← Fair Credit Reporting for Servicemembers Act
• related to ← Providing for consideration of the bill (H.R. 3621) to amend the Fair Credit Reporting Act to remove adverse information for certain defaulted or delinquent private education loan borrowers who demonstrate a history of loan repayment, and for other purposes, and providing for consideration of the Senate amendment to the bill (H.R. 550) to award a Congressional Gold Medal, collectively, to the United States Merchant Mariners of World War II, in recognition of their dedicated and vital service during World War II.
• amends ← An amendment numbered 1 printed in Part B of House Report 116-383 to require the GAO to study how credit scores are used in rental housing and mortgage determinations, including information on treatment of different demographic populations.
• amends ← An amendment numbered 2 printed in Part B of House Report 116-383 to require the GAO to study how credit scores adversely impacted by a student borrowers defaulted or delinquent private education loan further impacts applying for future loans, including information on treatment of different demographic populations.
• amends ← An amendment numbered 3 printed in Part B of House Report 116-383 to require GAO to carry out a study of the compliance by consumer reporting agencies that compile and maintain files on consumers and the impact such compliance has on consumers.
• amends ← Amendment clarifies the Federal law for reporting certain positive consumer credit information to Credit Reporting Agecies (CRA), and seeks to expand access to credit through use of alternative data.
• amends ← An amendment numbered 5 printed in Part B of House Report 116-383 to clarify that a persons credit report may be used if the rep ort is obtained in connection with a background check or related investigation of financial information that is required by a federal, state, or local law or regulation.

Showing 13 of 22 related records.