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United States · Bill · S

S. 1370 (108th)

Consumer Credit Score Disclosure Act of 2003

openUnited States· United States Congress· EN

Introduced

8 July 2003

Last action

10 July 2003 · Floor

Status

Star Print ordered on the bill.

Sponsors

Sen. Schumer, Charles E. [D-NY], Sen. Allard, Wayne [R-CO]

Subjects

Discovery layer

Source updated

18 August 2025

Official sourceDownload fileView documentsShare

Summary

Consumer Credit Score Disclosure Act of 2003 - Amends the Fair Credit Reporting Act to cite specified consumer credit scoring information that a consumer reporting agency must disclose upon consumer request in connection with an application for an extension of consumer credit secured by a dwelling, including a credit score: (1) derived from a model widely distributed to users of credit scores; or (2) that assists the consumer in understanding the credit scoring assessment of the consumer's credit behavior and predictions about future credit behavior. Requires any person that makes or arranges extensions of consumer credit that are to be secured by a dwelling, and that uses credit scores for that purpose, to provide the consumer with a copy of: (1) the information obtained from a consumer reporting agency or that was developed and used by that user of the credit score information; or (2) a copy of the information provided to the user by a third party that developed the credit score, plus a general description of credit scores, their use, and the sources and kinds of data used to generate credit scores. Declares void any contract provision that prohibits such mandated disclosures. Exempts from contractual liability any user of a credit score for making such a disclosure.

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

Timeline

  1. 8 July 2003

    Introduced

    Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    Source: IntroReferral

  2. 8 July 2003

    Introduced

    Introduced in Senate

    Source: IntroReferral

  3. 10 July 2003

    Floor

    Star Print ordered on the bill.

    Source: Floor

Votes

No vote records are attached yet.

Versions

Documents

3 official files

Introduced in Senate (text)

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  • Introduced in Senate (text)

    Introduced in Senate · EN · 8 July 2003

    ViewDownloadOpen at official source

  • Introduced in Senate (PDF)

    Introduced in Senate · EN · 8 July 2003

    ViewDownloadOpen at official source

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  • Introduced in Senate

    summary · EN · 8 July 2003

    Open at official source

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Sponsors

Related records

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Sources

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