3.0.0 2375 2023-01-11T13:40:27Z 2023-01-11T13:40:27Z Senate S 2018-02-05 115 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Standing Referred to 2018-02-05T23:32:48Z 2018-02-05 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. IntroReferral 2018-02-05 Introduced in Senate IntroReferral 10000 9 Library of Congress B000944 Sen. Brown, Sherrod [D-OH] Sherrod Brown D OH N Finance and Financial Sector Administrative law and regulatory procedures Consumer Financial Protection Bureau Consumer affairs Consumer credit Fraud offenses and financial crimes Government information and archives Military personnel and dependents Finance and Financial Sector 00 2018-02-05 Introduced in Senate 2018-09-20T19:44:10Z Equifax Consumer Protection and Data Empowerment Act of 2018

This bill amends the Fair Credit Reporting Act to revise the consumer protection duties of consumer reporting agencies.

Credit reporting agencies must provide a cost-free method for consumers to control the release of their information for certain purposes.

The bill limits the purposes for which a consumer reporting agencies may provide a consumer's information to a third party. For example, consumer reporting agencies may not provide consumer information to a third party for a credit or insurance transaction not initiated by the consumer.

The bill revises the requirements for fraud alerts provided by consumer reporting agencies, including by extending the length of all alerts to 10 years and expanding access to free reports.

]]> Equifax Consumer Protection and Data Empowerment Act of 2018 Display Title Equifax Consumer Protection and Data Empowerment Act of 2018 Official Title as Introduced A bill to amend the Fair Credit Reporting Act to allow consumers to prohibit certain consumer reporting agencies from releasing any information in the files of those consumers, and for other purposes. Introduced in Senate IS Short Titles as Introduced Equifax Consumer Protection and Data Empowerment Act of 2018 Introduced in Senate 2018-02-05T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-115s2375is/xml/BILLS-115s2375is.xml 2018-02-05 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.