Protecting Your Credit Score Act of 2020

Summary

Protecting Your Credit Score Act of 2019 This bill revises provisions related to consumer credit reports and credit reporting agencies. Credit reporting agencies are directed to create a central online portal that allows consumers to (1) access free credit reports and credit scores, (2) dispute errors, and (3) place or lift security freezes. Consumers will receive a free credit score when requesting a free annual credit report. The bill establishes a public registry for credit reporting agencies. The bill also provides the Consumer Financial Protection Bureau (CFPB) with statutory authority for supervising credit reporting agencies. A credit reporting ombudsperson is established at the CFPB, whose responsibilities include resolving persistent errors by credit reporting agencies. A court may award injunctive relief to compel a credit reporting agency to comply with credit report protections. Credit reporting agencies must provide available information to consumers regarding the purpose behind the procurement of a credit report. The bill gives the CFPB the authority to establish data security requirements for credit reporting agencies. The Government Accountability Office must report on the feasibility of credit reporting agencies replacing Social Security numbers as identifiers with another type of federal identification.

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

Timeline

1. 6 December 2019

   Introduced

   Referred to the House Committee on Financial Services.

   Source: IntroReferral

2. 6 December 2019

   Introduced

   Introduced in House

   Source: IntroReferral

3. 6 December 2019

   Introduced

   Introduced in House

   Source: IntroReferral

4. 10 December 2019

   Committee

   Committee Consideration and Mark-up Session Held.

   Source: Committee

5. 11 December 2019

   Vote

   Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 24.

   Source: Committee

6. 11 December 2019

   Committee

   Committee Consideration and Mark-up Session Held.

   Source: Committee

7. 12 March 2020

   Calendars

   Placed on the Union Calendar, Calendar No. 335.

   Source: Calendars

8. 12 March 2020

   Reported

   Reported (Amended) by the Committee on Financial Services. H. Rept. 116-416.

   Source: Committee

9. 12 March 2020

   Reported

   Reported (Amended) by the Committee on Financial Services. H. Rept. 116-416.

   Source: Committee

10. 24 June 2020

    Reported

    Rules Committee Resolution H. Res. 1017 Reported to House. Rule provides for consideration of H.R. 1425, H.R. 5332, H.R. 7120, H.R. 7301 and H.J. Res. 90. The resolution provides that the provisions of section 125(c) of the Uruguay Round Agreements Act shall not apply during the remainder of the 116th Congress and the resolution amends H.Res. 967, agreed to on May 15, 2020.

    Source: Floor

11. 26 June 2020

    Passed

    Rule provides for consideration of H.R. 1425, H.R. 5332, H.R. 7120, H.R. 7301 and H.J. Res. 90. The resolution provides that the provisions of section 125(c) of the Uruguay Round Agreements Act shall not apply during the remainder of the 116th Congress and the resolution amends H.Res. 967, agreed to on May 15, 2020.

    Source: Floor

12. 26 June 2020

    Floor

    The previous question was ordered pursuant to the rule.

    Source: Floor

13. 26 June 2020

    Floor

    Considered under the provisions of rule H. Res. 1017. (consideration: CR H2559-2571)

    Source: Floor

14. 29 June 2020

    Passed

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

    Source: Floor

15. 29 June 2020

    Vote

    On passage Passed by the Yeas and Nays: 234 - 179 (Roll no. 126). (text: 06/26/2020 CR H2559-2561)

    Source: Floor

16. 29 June 2020

    Vote

    Passed/agreed to in House: On passage Passed by the Yeas and Nays: 234 - 179 (Roll no. 126).

    Source: Floor

17. 29 June 2020

    Vote

    On motion to recommit with instructions Failed by the Yeas and Nays: 184 - 228 (Roll no. 125).

    Source: Floor

18. 29 June 2020

    Floor

    Considered as unfinished business. (consideration: CR H2663-2664)

    Source: Floor

19. 29 June 2020

    Reported

    DEBATE - The House proceeded with 10 minutes of debate on the Riggleman motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment to strike section 3 from the bill and insert a new section prohibiting the use of social security numbers.

    Source: Floor

20. 29 June 2020

    Floor

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

    Source: Floor

21. 29 June 2020

    Floor

    Mr. Riggleman moved to recommit with instructions to the Committee on Financial Services. (text: CR H2663)

    Source: Floor

22. 30 June 2020

    Introduced

    Received in the Senate.

    Source: IntroReferral

Votes

Versions

• Received in Senate · 30 June 2020 · Download file
• Engrossed in House · 29 June 2020 · Download file
• Reported in House · 12 March 2020 · Download file
• Introduced in House · 6 December 2019 · Download file

Documents

11 official files

• Received in Senate (text)

  Received in Senate · EN · 30 June 2020

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• Received in Senate (PDF)

  Received in Senate · EN · 30 June 2020

  ViewDownloadOpen at official source

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  Vertaal document

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

• Engrossed in House (text)

  Engrossed in House · EN · 29 June 2020

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• Engrossed in House (PDF)

  Engrossed in House · EN · 29 June 2020

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  Vertaal document

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

• Passed House

  summary · EN · 29 June 2020

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  Vertaal document

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• Reported in House (text)

  Reported in House · EN · 12 March 2020

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• Reported in House (PDF)

  Reported in House · EN · 12 March 2020

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• Reported to House

  summary · EN · 12 March 2020

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  Vertaal document

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• Introduced in House (text)

  Introduced in House · EN · 6 December 2019

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• Introduced in House (PDF)

  Introduced in House · EN · 6 December 2019

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  Vertaal document

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

• Introduced in House

  summary · EN · 6 December 2019

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  Vertaal document

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Sponsors

• Rep. Gottheimer, Josh [D-NJ-5] · D · Sponsor
• Rep. Reed, Tom [R-NY-23] · R · Sponsor
• · hsba00 · Standing

Related records

• related to ← Providing for consideration of the bill (H.R. 51) to provide for the admission of the State of Washington, D.C. into the Union; providing for consideration of the bill (H.R. 1425) to amend the Patient Protection and Affordable Care Act to provide for a Improve Health Insurance Affordability Fund to provide for certain reinsurance payments to lower premiums in the individual health insurance market; providing for consideration of the bill (H.R. 5332) to amend the Fair Credit Reporting Act to ensure that consumer reporting agencies are providing fair and accurate information reporting in consumer reports, and for other purposes; providing for consideration of the bill (H.R. 7120) to hold law enforcement accountable for misconduct in court, improve transparency through data collection, and reform police training and policies; providing for consideration of the bill (H.R. 7301) to prevent evictions, foreclosures, and unsafe housing conditions resulting from the COVID-19 pandemic, and for other purposes; providing for consideration of the joint resolution (H.J. Res. 90) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to Community Reinvestment Act Regulations; and for other purposes.
• amends ← Pursuant to the provisions of H.Res. 1017 the amendment in the nature of a substitute recommended by the Committee on Financial Services printed in the bill, modified by the amendment printed in Part C of House Report 116-436 is adopted.