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United States · Bill · HR

H.R. 4538 (111th)

Fair Access to Credit Scores Act of 2010

referredUnited States· United States Congress· EN

Introduced

27 January 2010

Last action

27 January 2010 · Introduced

Status

Referred to the House Committee on Financial Services.

Sponsors

Rep. Cohen, Steve [D-TN-9], Rep. Thompson, Bennie G. [D-MS-2], Rep. Gutierrez, Luis V. [D-IL-4], Rep. Nadler, Jerrold [D-NY-12], Rep. Butterfield, G. K. [D-NC-1], Rep. Carson, André [D-IN-7], Rep. Clay, Wm. Lacy [D-MO-1], Rep. Delahunt, William D. [D-MA-10], Rep. Doggett, Lloyd [D-TX-37], Rep. Kaptur, Marcy [D-OH-9], Rep. McDermott, Jim [D-WA-7], Rep. Rangel, Charles B. [D-NY-15], Rep. Stark, Fortney Pete [D-CA-13], Rep. Towns, Edolphus [D-NY-10], Rep. Velázquez, Nydia M. [D-NY-7], Rep. Watt, Melvin L. [D-NC-12], Rep. McGovern, James P. [D-MA-2], Rep. Kagen, Steve [D-WI-8], Rep. Grijalva, Raúl M. [D-AZ-7], Rep. Green, Al [D-TX-9], Rep. Farr, Sam [D-CA-20], Rep. Cummings, Elijah E. [D-MD-7], Rep. Moran, James P. [D-VA-8], Rep. Miller, George [D-CA-11], Rep. Lofgren, Zoe [D-CA-18], Rep. Schakowsky, Janice D. [D-IL-9], Rep. Hastings, Alcee L. [D-FL-20], Del. Bordallo, Madeleine Z. [D-GU-At Large], Rep. Sutton, Betty [D-OH-13], Rep. Honda, Michael M. [D-CA-15], Rep. Tsongas, Niki [D-MA-3]

Subjects

Discovery layer

Source updated

14 August 2025

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Summary

Fair Access to Credit Scores Act of 2010 - Amends the Fair Credit Reporting Act to require consumer reporting agencies to disclose any information in the consumer's file concerning credit scores or other related risk scores or predictors when the consumer requests a free annual disclosure (credit report). Requires all consumer reporting agencies to maintain information in the consumer's file concerning such scores or predictors for at least one year from the date on which such information is placed in the file. Directs the Comptroller General to study and report to Congress on bankruptcy risk scores used by consumer reporting agencies, including an analysis of: (1) the factors used to determine such scores; (2) how bankruptcy risk scores impact the ability of consumers to receive loans; and (3) actions that consumers can take to improve such scores.

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

Timeline

  1. 27 January 2010

    Introduced

    Referred to the House Committee on Financial Services.

    Source: IntroReferral

  2. 27 January 2010

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 27 January 2010

    Introduced

    Introduced in House

    Source: IntroReferral

Votes

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Versions

Documents

3 official files

Introduced in House (text)

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  • Introduced in House (text)

    Introduced in House · EN · 27 January 2010

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  • Introduced in House (PDF)

    Introduced in House · EN · 27 January 2010

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  • Introduced in House

    summary · EN · 27 January 2010

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Sponsors

Related records

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Sources

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