Improving Credit Reporting for All Consumers Act

openUnited States· United States Congress· EN

Introduced

9 July 2019

Last action

23 December 2019 · Reported

Status

Placed on the Union Calendar, Calendar No. 288.

Summary

Improving Credit Reporting for All Consumers Act This bill 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.

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

Timeline

9 July 2019
Introduced
Referred to the House Committee on Financial Services.
Source: IntroReferral
9 July 2019
Introduced
Introduced in House
Source: IntroReferral
9 July 2019
Introduced
Introduced in House
Source: IntroReferral
11 July 2019
Vote
Ordered to be Reported (Amended) by the Yeas and Nays: 32 - 26.
Source: Committee
11 July 2019
Committee
Committee Consideration and Mark-up Session Held.
Source: Committee
23 December 2019
Calendars
Placed on the Union Calendar, Calendar No. 288.
Source: Calendars
23 December 2019
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 116-363.
Source: Committee
23 December 2019
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 116-363.
Source: Committee

Votes

No vote records are attached yet.

Versions

Reported in House · 23 December 2019 · Download file
Introduced in House · 9 July 2019 · Download file

Documents

6 official files

Reported in House (text)

View file Download file

This file cannot be previewed here. Use View or Download.

Leesvertaling

Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

Vertaal naar

Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

Reported in House (text)
Reported in House · EN · 23 December 2019
View Download Open at official source
Reported in House (PDF)
Reported in House · EN · 23 December 2019
View Download Open at official source
Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Vertaal naar
Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Reported to House
summary · EN · 23 December 2019
Open at official source
Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Vertaal naar
Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Introduced in House (text)
Introduced in House · EN · 9 July 2019
View Download Open at official source
Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Vertaal naar
Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Introduced in House (PDF)
Introduced in House · EN · 9 July 2019
View Download Open at official source
Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Vertaal naar
Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Introduced in House
summary · EN · 9 July 2019
Open at official source
Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Vertaal naar
Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

Related records

related to → Improving Credit Reporting for All Consumers Act
related to ← Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020

Sources

PoliticalRepo is an index and interpretation layer, not the authoritative legal source.

Official source: https://www.congress.gov/bill/116th-congress/house-bill/3642
Open data entity: https://api.congress.gov/v3/bill/116/hr/3642
us · 116-hr-3642 · source updated 7 April 2025