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    <number>1773</number>
    <updateDate>2023-01-11T13:30:06Z</updateDate>
    <updateDateIncludingText>2023-01-11T13:30:06Z</updateDateIncludingText>
    <originChamber>Senate</originChamber>
    <type>S</type>
    <introducedDate>2015-07-15</introducedDate>
    <congress>114</congress>
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        <name>Judiciary Committee</name>
        <chamber>Senate</chamber>
        <type>Standing</type>
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            <name>Referred to</name>
            <date>2015-07-15T19:46:57Z</date>
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        <actionDate>2015-07-15</actionDate>
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            <name>Judiciary Committee</name>
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        <sourceSystem>
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        <text>Read twice and referred to the Committee on the Judiciary.</text>
        <type>IntroReferral</type>
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      <item>
        <actionDate>2015-07-15</actionDate>
        <text>Introduced in Senate</text>
        <type>IntroReferral</type>
        <actionCode>10000</actionCode>
        <sourceSystem>
          <code>9</code>
          <name>Library of Congress</name>
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    <sponsors>
      <item>
        <bioguideId>B000944</bioguideId>
        <fullName>Sen. Brown, Sherrod [D-OH]</fullName>
        <firstName>Sherrod</firstName>
        <lastName>Brown</lastName>
        <party>D</party>
        <state>OH</state>
        <isByRequest>N</isByRequest>
      </item>
    </sponsors>
    <cosponsors>
      <item>
        <bioguideId>M001176</bioguideId>
        <fullName>Sen. Merkley, Jeff [D-OR]</fullName>
        <firstName>Jeff</firstName>
        <lastName>Merkley</lastName>
        <party>D</party>
        <state>OR</state>
        <sponsorshipDate>2015-07-15</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001277</bioguideId>
        <fullName>Sen. Blumenthal, Richard [D-CT]</fullName>
        <firstName>Richard</firstName>
        <lastName>Blumenthal</lastName>
        <party>D</party>
        <state>CT</state>
        <sponsorshipDate>2015-07-15</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>D000563</bioguideId>
        <fullName>Sen. Durbin, Richard J. [D-IL]</fullName>
        <firstName>Richard</firstName>
        <lastName>Durbin</lastName>
        <party>D</party>
        <state>IL</state>
        <middleName>J.</middleName>
        <sponsorshipDate>2015-07-15</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>F000457</bioguideId>
        <fullName>Sen. Franken, Al [D-MN]</fullName>
        <firstName>Al</firstName>
        <lastName>Franken</lastName>
        <party>D</party>
        <state>MN</state>
        <sponsorshipDate>2015-07-15</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S000148</bioguideId>
        <fullName>Sen. Schumer, Charles E. [D-NY]</fullName>
        <firstName>Charles</firstName>
        <lastName>Schumer</lastName>
        <party>D</party>
        <state>NY</state>
        <middleName>E.</middleName>
        <sponsorshipDate>2015-10-28</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
    </cosponsors>
    <policyArea>
      <name>Finance and Financial Sector</name>
    </policyArea>
    <subjects>
      <legislativeSubjects>
        <item>
          <name>Bankruptcy</name>
        </item>
        <item>
          <name>Civil actions and liability</name>
        </item>
        <item>
          <name>Consumer credit</name>
        </item>
      </legislativeSubjects>
      <policyArea>
        <name>Finance and Financial Sector</name>
      </policyArea>
    </subjects>
    <summaries>
      <summary>
        <versionCode>00</versionCode>
        <actionDate>2015-07-15</actionDate>
        <actionDesc>Introduced in Senate</actionDesc>
        <updateDate>2015-10-14T17:42:47Z</updateDate>
        <text><![CDATA[ <p><strong>Consumer Reporting Fairness Act of 2015</strong></p> <p>This bill requires a creditor that has provided or furnished to a consumer reporting agency any item of information pertaining to an account based on a debt discharged in a case under the federal bankruptcy code to inform such agency that the debt has been discharged in bankruptcy and has a zero balance.</p> <p>An individual injured by any willful violation of this provision shall recover actual damages, including costs and attorneys' fees, and may recover punitive damages in appropriate circumstances.</p>]]></text>
      </summary>
    </summaries>
    <title>Consumer Reporting Fairness Act of 2015</title>
    <titles>
      <item>
        <titleType>Display Title</titleType>
        <title>Consumer Reporting Fairness Act of 2015</title>
      </item>
      <item>
        <titleType>Official Title as Introduced</titleType>
        <title>A bill to amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.</title>
        <billTextVersionName>Introduced in Senate</billTextVersionName>
        <billTextVersionCode>IS</billTextVersionCode>
      </item>
      <item>
        <titleType>Short Titles as Introduced</titleType>
        <title>Consumer Reporting Fairness Act of 2015</title>
      </item>
    </titles>
    <textVersions>
      <item>
        <type>Introduced in Senate</type>
        <date>2015-07-15T04:00:00Z</date>
        <formats>
          <item>
            <url>https://www.govinfo.gov/content/pkg/BILLS-114s1773is/xml/BILLS-114s1773is.xml</url>
          </item>
        </formats>
      </item>
    </textVersions>
    <latestAction>
      <actionDate>2015-07-15</actionDate>
      <text>Read twice and referred to the Committee on the Judiciary.</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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