3.0.0 5010 2023-01-11T13:31:36Z 2023-01-11T13:31:36Z House HR 2016-04-20 114 [Congressional Record Volume 162, Number 61 (Wednesday, April 20, 2016)]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. COHEN:H.R. 5010.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8, Clause 3 (relating to the power toregulate foreign and interstate commerce) of the UnitedStates Constitution.[Page H1897]]]> hsba00 Financial Services Committee House Standing Referred to 2016-04-20T14:03:30Z 2016-04-20 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2016-04-20 Introduced in House IntroReferral Intro-H 9 Library of Congress 2016-04-20 Introduced in House IntroReferral 1000 9 Library of Congress C001068 Rep. Cohen, Steve [D-TN-9] Steve Cohen D TN 9 N N000147 Del. Norton, Eleanor Holmes [D-DC-At Large] ELEANOR NORTON D DC HOLMES 0 2016-04-20 True G000551 Rep. Grijalva, Raúl M. [D-AZ-3] Raúl Grijalva D AZ M. 3 2016-04-20 True T000465 Rep. Tsongas, Niki [D-MA-3] Niki Tsongas D MA 3 2016-04-20 True C000714 Rep. Conyers, John, Jr. [D-MI-13] JOHN CONYERS D MI 13 2016-04-20 True V000108 Rep. Visclosky, Peter J. [D-IN-1] PETER VISCLOSKY D IN J. 1 2016-04-20 True T000472 Rep. Takano, Mark [D-CA-41] Mark Takano D CA 41 2016-06-07 False Finance and Financial Sector Consumer credit Finance and Financial Sector 00 2016-04-20 Introduced in House 2016-07-26T18:19:14Z 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.

]]> Fair Access to Credit Scores Act of 2016 Display Title Fair Access to Credit Scores Act of 2016 Official Title as Introduced 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 House IH Short Titles as Introduced Fair Access to Credit Scores Act of 2016 Introduced in House 2016-04-20T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-114hr5010ih/xml/BILLS-114hr5010ih.xml 2016-04-20 Referred to the House Committee on Financial Services. 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.