United States · Bill · HR
H.R. 4211 (114th)
Credit Score Competition Act of 2015
Introduced
10 December 2015
Last action
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Status
Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.
Sponsors
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Subjects
Discovery layer
Source updated
12 August 2025
Summary
Credit Score Competition Act of 2015 This bill amends the Federal National Mortgage Association Charter Act to authorize the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises, or GSEs) to use credit scores in purchasing residential mortgages only under certain conditions, including that the GSE has established and made publicly available a description of the process it will use to validate and approve credit scoring models. The Director of the Federal Housing Finance Agency may, by regulation, establish standards and criteria for any process used by a GSE to validate and approve credit scoring models pursuant to the Acts.
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Documents
3 official files
Introduced in House (text)
Introduced in House (text)
Introduced in House · EN · 10 December 2015
Introduced in House (PDF)
Introduced in House · EN · 10 December 2015
Introduced in House
summary · EN · 10 December 2015
Sponsors
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Sources
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- Official source: https://www.congress.gov/bill/114th-congress/house-bill/4211
- Open data entity: https://api.congress.gov/v3/bill/114/hr/4211