3.0.0 3642 2022-11-01T13:50:45Z 2023-10-13T16:27:10Z House HR 2019-07-09 116 [Congressional Record Volume 165, Number 114 (Tuesday, July 9, 2019)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Ms. ADAMS:H.R. 3642.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8[Page H5304]]]> hsba00 Financial Services Committee House Standing Reported by 2019-12-23T16:43:03Z Markup by 2019-07-11T15:13:15Z Referred to 2019-07-09T18:04:45Z H. Rept. 116-363 Comprehensive CREDIT Act of 2020 116 3621 HR 2020-01-30 Received in the Senate. Related bill House 2019-12-23 Placed on the Union Calendar, Calendar No. 288. Calendars H12410 2 House floor actions U00288 2019-12-23 Reported (Amended) by the Committee on Financial Services. H. Rept. 116-363. Committee H12200 2 House floor actions hsba00 Financial Services Committee 2019-12-23 Reported (Amended) by the Committee on Financial Services. H. Rept. 116-363. Committee 5000 9 Library of Congress hsba00 Financial Services Committee 2019-07-11 hsba00 Financial Services Committee 1 House committee actions Ordered to be Reported (Amended) by the Yeas and Nays: 32 - 26. Committee 2019-07-11 hsba00 Financial Services Committee 1 House committee actions Committee Consideration and Mark-up Session Held. Committee 2019-07-09 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2019-07-09 Introduced in House IntroReferral Intro-H 9 Library of Congress 2019-07-09 Introduced in House IntroReferral 1000 9 Library of Congress A000370 Rep. Adams, Alma S. [D-NC-12] Alma Adams D NC S. 12 N 2019-12-20T20:55:00Z H.R. 3642, Improving Credit Reporting for All Consumers Act https://www.cbo.gov/publication/55977 As ordered reported by the House Committee on Financial Services on July 11, 2019 Finance and Financial Sector Administrative law and regulatory procedures Business records Civil actions and liability Consumer Financial Protection Bureau Consumer affairs Consumer credit Foreign language and bilingual programs Government information and archives Hearing, speech, and vision care Licensing and registrations Marketing and advertising Finance and Financial Sector 00 2019-07-09 Introduced in House 2020-01-23T22:49:20Z Improving Credit Reporting for All Consumers Act

This bill generally modifies requirements related to consumer credit reporting. Specifically, it revises the dispute process for consumers challenging information contained on their credit report, establishes an appeals process for disputed information, and establishes the right to injunctive relief.

The bill also requires additional disclosures from credit reporting agencies and furnishers of credit information, prohibits automatic renewals for promotional consumer credit products and services, and makes other related changes.

Additionally, the bill directs the Consumer Financial Protection Bureau to issue rules under this bill, including rules to provide for (1) accuracy and completeness in credit reports; (2) access to consumer reporting information for nonnative English speakers, the visually impaired, and the hearing impaired; and (3) the registration of consumer reporting agencies.

]]> 07 2019-12-23 Reported to House 2020-01-24T22:40:54Z Improving Credit Reporting for All Consumers Act

This bill generally modifies requirements related to consumer credit reporting. Specifically, it revises the dispute process for consumers challenging information contained on their credit report, establishes an appeals process for disputed information, and establishes the right to injunctive relief.

The bill also requires additional disclosures from credit reporting agencies and furnishers of credit information, prohibits automatic renewals for promotional consumer credit products and services, and makes other related changes.

Additionally, the bill directs the Consumer Financial Protection Bureau to issue rules under this bill, including rules to provide for (1) accuracy and completeness in credit reports; (2) access to consumer reporting information for nonnative English speakers, the visually impaired, and the hearing impaired; and (3) the registration of consumer reporting agencies.

]]> Improving Credit Reporting for All Consumers Act Display Title Improving Credit Reporting for All Consumers Act Official Title as Introduced To amend the Fair Credit Reporting Act to fix the consumer report dispute process, to ban misleading and unfair consumer reporting practices, and for other purposes. Reported in House RH Short Title(s) as Introduced Improving Credit Reporting for All Consumers Act Introduced in House IH Short Title(s) as Reported to House Improving Credit Reporting for All Consumers Act H House Reported in House RH Reported in House 2019-12-23T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-116hr3642rh/xml/BILLS-116hr3642rh.xml Introduced in House 2019-07-09T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-116hr3642ih/xml/BILLS-116hr3642ih.xml 2019-12-23 Placed on the Union Calendar, Calendar No. 288. 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.