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  <bill>
    <number>6363</number>
    <updateDate>2022-03-01T06:43:08Z</updateDate>
    <updateDateIncludingText>2022-03-01T06:43:08Z</updateDateIncludingText>
    <originChamber>House</originChamber>
    <originChamberCode>H</originChamberCode>
    <type>HR</type>
    <introducedDate>2012-09-10</introducedDate>
    <congress>112</congress>
    <constitutionalAuthorityStatementText><![CDATA[<pre>From the Congressional Record Online through the Government Publishing Office [<a href='http://www.gpo.gov'>www.gpo.gov</a>]By Mr. RENACCI:H.R. 6363.Congress has the power to enact this legislation pursuantto the following:Article I Section 8 Clause 3--The Congress shall have powerto regulate commerce with foreign nations and among theseveral states, and with the Indian tribes.[Page H5765]</pre>]]></constitutionalAuthorityStatementText>
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                <name>Referred to</name>
                <date>2012-10-01T19:39:37Z</date>
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        <text>Referred to the Subcommittee on Financial Institutions and Consumer Credit.</text>
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        <actionDate>2012-09-13</actionDate>
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        <text>Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.</text>
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        <actionDate>2012-09-10</actionDate>
        <text>Referred to the House Committee on Financial Services.</text>
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    <sponsors>
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        <bioguideId>R000586</bioguideId>
        <fullName>Rep. Renacci, James B. [R-OH-16]</fullName>
        <firstName>James</firstName>
        <lastName>Renacci</lastName>
        <party>R</party>
        <state>OH</state>
        <middleName>B.</middleName>
        <district>16</district>
        <isByRequest>N</isByRequest>
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        <bioguideId>E000288</bioguideId>
        <fullName>Rep. Ellison, Keith [D-MN-5]</fullName>
        <firstName>Keith</firstName>
        <lastName>Ellison</lastName>
        <party>D</party>
        <state>MN</state>
        <district>5</district>
        <sponsorshipDate>2012-09-10</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H000636</bioguideId>
        <fullName>Rep. Hinojosa, Ruben [D-TX-15]</fullName>
        <firstName>RUBEN</firstName>
        <lastName>HINOJOSA</lastName>
        <party>D</party>
        <state>TX</state>
        <district>15</district>
        <sponsorshipDate>2012-09-10</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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      <item>
        <bioguideId>J000255</bioguideId>
        <fullName>Rep. Jones, Walter B., Jr. [R-NC-3]</fullName>
        <firstName>WALTER</firstName>
        <lastName>JONES</lastName>
        <party>R</party>
        <state>NC</state>
        <middleName>B.</middleName>
        <district>3</district>
        <sponsorshipDate>2012-09-10</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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      <item>
        <bioguideId>C001037</bioguideId>
        <fullName>Rep. Capuano, Michael E. [D-MA-8]</fullName>
        <firstName>MICHAEL</firstName>
        <lastName>CAPUANO</lastName>
        <party>D</party>
        <state>MA</state>
        <middleName>E.</middleName>
        <district>8</district>
        <sponsorshipDate>2012-09-10</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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    </cosponsors>
    <policyArea>
      <name>Finance and Financial Sector</name>
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    <subjects>
      <legislativeSubjects>
        <item>
          <name>Business records</name>
        </item>
        <item>
          <name>Consumer affairs</name>
        </item>
        <item>
          <name>Consumer credit</name>
        </item>
        <item>
          <name>Housing finance and home ownership</name>
        </item>
        <item>
          <name>Public utilities and utility rates</name>
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      <policyArea>
        <name>Finance and Financial Sector</name>
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    <summaries>
      <summary>
        <versionCode>00</versionCode>
        <actionDate>2012-09-10</actionDate>
        <actionDesc>Introduced in House</actionDesc>
        <updateDate>2012-10-26T15:26:19Z</updateDate>
        <text><![CDATA[ <p>Credit Access and Inclusion Act - Amends the Fair Credit Reporting Act, with respect to the responsibilities of furnishers of information to consumer reporting agencies, to declare that nothing in the Act or related regulations shall be construed as to prohibit a person from furnishing to a consumer reporting agency certain consumer identifying information, including: (1) consumer's full name, telephone number, mother's maiden name, address, zip code, date of birth, any generational designation, or Social Security number; (2) transactions or experiences between the consumer and the person furnishing the information; and (3) the performance of the consumer's obligations under a real property lease, a subscription agreement, or an account of a public utility service (subject to certain limitations).</p>]]></text>
      </summary>
    </summaries>
    <title>Credit Access and Inclusion Act</title>
    <titles>
      <item>
        <titleType>Short Titles as Introduced</titleType>
        <title>Credit Access and Inclusion Act</title>
      </item>
      <item>
        <titleType>Display Title</titleType>
        <title>Credit Access and Inclusion Act</title>
      </item>
      <item>
        <titleType>Official Title as Introduced</titleType>
        <title>To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting positive consumer credit information to consumer reporting agencies by public utility companies, and for other purposes.</title>
      </item>
    </titles>
    <textVersions>
      <item>
        <type>Introduced in House</type>
        <date>2012-09-10T04:00:00Z</date>
        <formats>
          <item>
            <url>https://www.govinfo.gov/content/pkg/BILLS-112hr6363ih/xml/BILLS-112hr6363ih.xml</url>
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        </formats>
      </item>
    </textVersions>
    <latestAction>
      <actionDate>2012-10-01</actionDate>
      <text>Referred to the Subcommittee on Financial Institutions and Consumer Credit.</text>
    </latestAction>
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    <dc:language>EN</dc:language>
    <dc:rights>Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.</dc:rights>
    <dc:contributor>Congressional Research Service, Library of Congress</dc:contributor>
    <dc:description>This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.</dc:description>
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