3.0.0
5180
2025-06-23T14:16:47Z
2025-06-23T14:16:47Z
House
H
HR
2023-08-08
118
[Congressional Record Volume 169, Number 134 (Tuesday, August 8, 2023)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Ms. TLAIB:H.R. 5180.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 1 of the Constitution.The single subject of this legislation is:This bill amends the Fair Credit Reporting act to restorethe impaired credit of victims of predatory activities andunfair consumer reporting practices, to expand access totools to protect vulnerable consumers from identity theft,fraud, or a related crime, and protect victims from furtherharm, and for other purposes.[Page H4172]
- hsba00
Financial Services Committee
House
Standing
  - Referred To
2023-08-08T14:30:35Z
- 2023-08-08
Referred to the House Committee on Financial Services.
IntroReferral
H11100
2
House floor actions
  - hsba00
Financial Services Committee
- 2023-08-08
Introduced in House
IntroReferral
Intro-H
9
Library of Congress
- 2023-08-08
Introduced in House
IntroReferral
1000
9
Library of Congress
- T000481
Rep. Tlaib, Rashida [D-MI-12]
Rashida
Tlaib
D
MI
12
N
- J000298
Rep. Jayapal, Pramila [D-WA-7]
Pramila
Jayapal
D
WA
7
2023-08-15
False
- C001131
Rep. Casar, Greg [D-TX-35]
Greg
Casar
D
TX
35
2023-09-13
False
- C001061
Rep. Cleaver, Emanuel [D-MO-5]
Emanuel
Cleaver
D
MO
5
2023-09-21
False
- S001218
Rep. Stansbury, Melanie Ann [D-NM-1]
Melanie
Stansbury
D
NM
Ann
1
2023-11-01
False
Finance and Financial Sector
Finance and Financial Sector
2023-09-01T15:30:24Z
00
2023-08-08
Introduced in House
2024-06-18T12:06:14Z
Restoring Unfairly Impaired Credit and Protecting Consumers Act
This bill limits the adverse information allowed to be included on a consumer credit report, reduces the time period certain information remains on a report, and expands the availability of free credit reports.
The bill prohibits medical debt from inclusion on a consumer credit report. In addition, it prohibits adverse credit information related to (1) unfair or fraudulent mortgage loans, (2) unfair or fraudulent private education loans, and (3) debt that is the result of financial abuse.
Further, the bill reduces the time period certain adverse information is allowed to be included on a consumer credit report. This includes bankruptcy cases, tax liens that have been paid, accounts in collection, certain civil suits and judgements, criminal convictions, certain rehabilitated mortgage and private educational debt, and fully paid or settled debt.
The bill expands free credit monitoring to include victims of fraud, data breaches, and identity theft; unemployed consumers; recipients of public welfare assistance; individuals 65 or older; and other classes as established by the Consumer Financial Protection Bureau (CFPB). Consumers must directly request free credit monitoring from the reporting agency and provide proof of identity. The CFPB must establish a fair and reasonable fee for credit reporting services for other consumers.
The bill also establishes procedures for victims of financial abuse to provide documentation to consumer reporting agencies for removal of related adverse information.
The CFPB must create a standardized affidavit for consumers to report identity theft, fraud, or the unauthorized disclosure of sensitive information.
<!--tinycomments|2.1|data:application/json;base64,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-->

Restoring Unfairly Impaired Credit and Protecting Consumers Act
- Display Title
45

Restoring Unfairly Impaired Credit and Protecting Consumers Act
2024-07-24T15:20:36Z
- Short Title(s) as Introduced
101

Restoring Unfairly Impaired Credit and Protecting Consumers Act
2024-05-24T13:36:57Z
Introduced in House
IH
- Official Title as Introduced
6

To amend the Fair Credit Reporting act to restore the impaired credit of victims of predatory activities and unfair consumer reporting practices, to expand access to tools to protect vulnerable consumers from identity theft, fraud, or a related crime, and protect victims from further harm, and for other purposes.
2024-03-18T21:17:43Z
Introduced in House
IH
- Introduced in House
2023-08-08T04:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-118hr5180ih/xml/BILLS-118hr5180ih.xml
2023-08-08
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.