Fair Access to Credit Scores Act of 2016

Summary

Fair Access to Credit Scores Act of 2016 This bill amends the Fair Credit Reporting Act to require certain consumer reporting agencies to disclose, upon request and without charge, as part of a consumer's free annual disclosure, a current credit score generated using the scoring methodology most frequently used to generate scores sold to creditors, including information regarding other risk scores or predictors in the consumer's file. Those agencies shall also furnish any other consumer information the Consumer Financial Protection Bureau considers appropriate with respect to consumer financial education, including where the consumer's credit score falls with respect to a range of possible credit scores, and the general factors contributing to consumer credit scores. Upon consumer request for a credit score, a consumer reporting agency shall disclose any a credit or risk score in a consumer's file. All consumer reporting agencies shall maintain credit scores or other risk scores or predictors in the consumer's file for at least one year after the data is generated.

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Timeline

1. 20 April 2016

   Introduced

   Referred to the House Committee on Financial Services.

   Source: IntroReferral

2. 20 April 2016

   Introduced

   Introduced in House

   Source: IntroReferral

3. 20 April 2016

   Introduced

   Introduced in House

   Source: IntroReferral

Votes

No vote records are attached yet.

Versions

• Introduced in House · 20 April 2016 · Download file

Documents

3 official files

• Introduced in House (text)

  Introduced in House · EN · 20 April 2016

  ViewDownloadOpen at official source

• Introduced in House (PDF)

  Introduced in House · EN · 20 April 2016

  ViewDownloadOpen at official source

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  Vertaal document

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• Introduced in House

  summary · EN · 20 April 2016

  Open at official source

  Leesvertaling

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

  Vertaal naarNL · DutchDE · GermanFR · FrenchES · SpanishIT · ItalianPL · PolishPT · PortugueseSV · SwedishDA · DanishFI · FinnishEL · GreekCS · CzechHU · HungarianRO · RomanianBG · BulgarianHR · CroatianSK · SlovakSL · SlovenianLT · LithuanianLV · LatvianET · EstonianGA · IrishMT · Maltese

  Vertaal document

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

Sponsors

• Rep. Cohen, Steve [D-TN-9] · D · Sponsor
• Del. Norton, Eleanor Holmes [D-DC-At Large] · D · Sponsor
• Rep. Grijalva, Raúl M. [D-AZ-7] · D · Sponsor
• Rep. Tsongas, Niki [D-MA-3] · D · Sponsor
• Rep. Conyers, John, Jr. [D-MI-13] · D · Sponsor
• Rep. Visclosky, Peter J. [D-IN-1] · D · Sponsor
• Rep. Takano, Mark [D-CA-39] · D · Cosponsor
• · hsba00 · Standing

Related records

• related to → Fair Access to Credit Scores Act of 2017