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    <number>8099</number>
    <updateDate>2024-09-17T11:47:50Z</updateDate>
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    <originChamber>House</originChamber>
    <originChamberCode>H</originChamberCode>
    <type>HR</type>
    <introducedDate>2024-04-19</introducedDate>
    <congress>118</congress>
    <constitutionalAuthorityStatementText><![CDATA[<pre>[Congressional Record Volume 170, Number 69 (Friday, April 19, 2024)][House]From the Congressional Record Online through the Government Publishing Office [<a href="https://www.gpo.gov">www.gpo.gov</a>]By Mr. TORRES of New York:H.R. 8099.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8.The single subject of this legislation is:Financial Services[Page H2559]</pre>]]></constitutionalAuthorityStatementText>
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        <name>Financial Services Committee</name>
        <chamber>House</chamber>
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            <date>2024-04-19T13:00:30Z</date>
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        <actionDate>2024-04-19</actionDate>
        <text>Referred to the House Committee on Financial Services.</text>
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        <bioguideId>T000486</bioguideId>
        <fullName>Rep. Torres, Ritchie [D-NY-15]</fullName>
        <firstName>Ritchie</firstName>
        <lastName>Torres</lastName>
        <party>D</party>
        <state>NY</state>
        <district>15</district>
        <isByRequest>N</isByRequest>
      </item>
    </sponsors>
    <cosponsors>
      <item>
        <bioguideId>K000397</bioguideId>
        <fullName>Rep. Kim, Young [R-CA-40]</fullName>
        <firstName>Young</firstName>
        <lastName>Kim</lastName>
        <party>R</party>
        <state>CA</state>
        <district>40</district>
        <sponsorshipDate>2024-04-19</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>N000194</bioguideId>
        <fullName>Rep. Nickel, Wiley [D-NC-13]</fullName>
        <firstName>Wiley</firstName>
        <lastName>Nickel</lastName>
        <party>D</party>
        <state>NC</state>
        <district>13</district>
        <sponsorshipDate>2024-07-23</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>J000309</bioguideId>
        <fullName>Rep. Jackson, Jonathan L. [D-IL-1]</fullName>
        <firstName>Jonathan</firstName>
        <lastName>Jackson</lastName>
        <party>D</party>
        <state>IL</state>
        <middleName>L.</middleName>
        <district>1</district>
        <sponsorshipDate>2024-08-06</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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    </cosponsors>
    <policyArea>
      <name>Finance and Financial Sector</name>
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      <legislativeSubjects/>
      <policyArea>
        <name>Finance and Financial Sector</name>
        <updateDate>2024-09-17T11:47:50Z</updateDate>
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    <title>CRED Act</title>
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        <titleType>Display Title</titleType>
        <titleTypeCode>45</titleTypeCode>
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        <updateDate>2024-07-24T08:05:47Z</updateDate>
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        <updateDate>2024-05-24T13:32:48Z</updateDate>
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      <item>
        <titleType>Short Title(s) as Introduced</titleType>
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        <title>Credit Report Enhancement Directive Act</title>
        <updateDate>2024-05-24T13:32:48Z</updateDate>
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      <item>
        <titleType>Official Title as Introduced</titleType>
        <titleTypeCode>6</titleTypeCode>
        <title>To require the Director of the Federal Housing Finance Agency to assess the costs and benefits of requiring the enterprises obtain 2 rather than 3 credit reports and credit scores, and for other purposes.</title>
        <updateDate>2024-05-16T04:48:23Z</updateDate>
        <billTextVersionName>Introduced in House</billTextVersionName>
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        <type>Introduced in House</type>
        <date>2024-04-19T04:00:00Z</date>
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    <latestAction>
      <actionDate>2024-04-19</actionDate>
      <text>Referred to the House Committee on Financial Services.</text>
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    <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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