3.0.0 471 2022-11-15T16:32:51Z 2022-11-15T16:32:51Z Senate S S 2013-03-06 113 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Standing Referred to 2013-03-06T17:56:36Z Fair Access to Credit Scores Act of 2013 113 1002 HR 2013-03-06 Referred to the House Committee on Financial Services. Identical bill CRS 2013-03-06 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. IntroReferral 2013-03-06 Introduced in Senate IntroReferral 10000 9 Library of Congress S000033 Sen. Sanders, Bernard [I-VT] Bernard Sanders I VT N B000711 Sen. Boxer, Barbara [D-CA] BARBARA BOXER D CA 2013-03-06 True F000062 Sen. Feinstein, Dianne [D-CA] Dianne Feinstein D CA 2013-03-06 True M000639 Sen. Menendez, Robert [D-NJ] Robert Menendez D NJ 2013-03-06 True L000123 Sen. Lautenberg, Frank R. [D-NJ] FRANK LAUTENBERG D NJ R. 2013-03-06 True G000555 Sen. Gillibrand, Kirsten E. [D-NY] Kirsten Gillibrand D NY E. 2013-04-15 False S001194 Sen. Schatz, Brian [D-HI] Brian Schatz D HI 2013-04-23 False M001169 Sen. Murphy, Christopher [D-CT] Christopher Murphy D CT S. 2013-12-19 False Finance and Financial Sector Administrative law and regulatory procedures Consumer Financial Protection Bureau Consumer credit Finance and Financial Sector 00 2013-03-06 Introduced in Senate 2013-04-29T19:46:49Z Fair Access to Credit Scores Act of 2013 - Amends the Fair Credit Reporting Act to require certain consumer reporting agencies to disclose, without charge, as part of a consumer's free annual disclosure upon request, 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.

Requires the agencies also to furnish such other consumer information as the Consumer Financial Protection Bureau (CFPB) 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 the credit scores of consumers.

Requires such agencies, upon consumer request for either a credit score or a risk score, to supply any such score in the consumer's file at the agency.

Requires the agencies to maintain credit scores or other risk scores or predictors in the consumer's file for at least one year after the data is generated.

Directs the CFPB to develop regulations establishing a mandatory format for consumer file disclosures.

]]> Fair Access to Credit Scores Act of 2013 Display Title Fair Access to Credit Scores Act of 2013 Short Titles as Introduced Fair Access to Credit Scores Act of 2013 Official Title as Introduced A bill to amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers, and for other purposes. Introduced in Senate 2013-03-06T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-113s471is/xml/BILLS-113s471is.xml 2013-03-06 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. text/xml EN 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. Congressional Research Service, Library of Congress 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.