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  <bill>
    <number>5543</number>
    <updateDate>2025-12-05T08:59:52Z</updateDate>
    <updateDateIncludingText>2025-12-05T08:59:52Z</updateDateIncludingText>
    <originChamber>Senate</originChamber>
    <originChamberCode>S</originChamberCode>
    <type>S</type>
    <introducedDate>2024-12-16</introducedDate>
    <congress>118</congress>
    <legislationUrl>https://www.congress.gov/bill/118th-congress/senate-bill/5543</legislationUrl>
    <relatedBills>
      <item>
        <title>Fair Credit for American Hostages Act</title>
        <congress>118</congress>
        <number>9830</number>
        <type>HR</type>
        <latestAction>
          <actionDate>2024-09-25</actionDate>
          <text>Referred to the House Committee on Financial Services.</text>
        </latestAction>
        <relationshipDetails>
          <item>
            <type>Related bill</type>
            <identifiedBy>CRS</identifiedBy>
          </item>
        </relationshipDetails>
      </item>
    </relatedBills>
    <actions>
      <item>
        <actionDate>2024-12-17</actionDate>
        <actionTime>10:47:41</actionTime>
        <text>Held at the desk.</text>
        <type>Floor</type>
        <actionCode>H15000</actionCode>
        <sourceSystem>
          <code>2</code>
          <name>House floor actions</name>
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      <item>
        <actionDate>2024-12-17</actionDate>
        <actionTime>10:44:17</actionTime>
        <text>Received in the House.</text>
        <type>Floor</type>
        <actionCode>H14000</actionCode>
        <sourceSystem>
          <code>2</code>
          <name>House floor actions</name>
        </sourceSystem>
      </item>
      <item>
        <actionDate>2024-12-17</actionDate>
        <sourceSystem>
          <name>Senate</name>
        </sourceSystem>
        <text>Message on Senate action sent to the House.</text>
        <type>Floor</type>
      </item>
      <item>
        <actionDate>2024-12-16</actionDate>
        <sourceSystem>
          <name>Senate</name>
        </sourceSystem>
        <text>Introduced in the Senate, read twice, considered, read the third time, and passed without amendment by Unanimous Consent. (consideration: CR S7057; text: CR S7057)</text>
        <type>Floor</type>
      </item>
      <item>
        <actionDate>2024-12-16</actionDate>
        <text>Passed/agreed to in Senate: Introduced in the Senate, read twice, considered, read the third time, and passed without amendment by Unanimous Consent.</text>
        <type>Floor</type>
        <actionCode>17000</actionCode>
        <sourceSystem>
          <code>9</code>
          <name>Library of Congress</name>
        </sourceSystem>
      </item>
      <item>
        <actionDate>2024-12-16</actionDate>
        <text>Introduced in Senate</text>
        <type>IntroReferral</type>
        <actionCode>10000</actionCode>
        <sourceSystem>
          <code>9</code>
          <name>Library of Congress</name>
        </sourceSystem>
      </item>
    </actions>
    <sponsors>
      <item>
        <bioguideId>C001088</bioguideId>
        <fullName>Sen. Coons, Christopher A. [D-DE]</fullName>
        <firstName>Christopher</firstName>
        <lastName>Coons</lastName>
        <party>D</party>
        <state>DE</state>
        <middleName>A.</middleName>
        <isByRequest>N</isByRequest>
      </item>
    </sponsors>
    <cosponsors>
      <item>
        <bioguideId>T000476</bioguideId>
        <fullName>Sen. Tillis, Thomas [R-NC]</fullName>
        <firstName>Thomas</firstName>
        <lastName>Tillis</lastName>
        <party>R</party>
        <state>NC</state>
        <middleName>Roland</middleName>
        <sponsorshipDate>2024-12-16</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
    </cosponsors>
    <policyArea>
      <name>Finance and Financial Sector</name>
    </policyArea>
    <subjects>
      <legislativeSubjects>
        <item>
          <name>Consumer affairs</name>
          <updateDate>2025-08-13T18:22:46Z</updateDate>
        </item>
        <item>
          <name>Consumer credit</name>
          <updateDate>2025-08-13T18:23:02Z</updateDate>
        </item>
        <item>
          <name>Detention of persons</name>
          <updateDate>2025-08-13T18:22:52Z</updateDate>
        </item>
        <item>
          <name>Right of privacy</name>
          <updateDate>2025-08-13T18:22:39Z</updateDate>
        </item>
      </legislativeSubjects>
      <policyArea>
        <name>Finance and Financial Sector</name>
        <updateDate>2025-07-29T10:54:14Z</updateDate>
      </policyArea>
    </subjects>
    <summaries>
      <summary>
        <versionCode>00</versionCode>
        <actionDate>2024-12-16</actionDate>
        <actionDesc>Introduced in Senate</actionDesc>
        <updateDate>2025-08-04T18:05:35Z</updateDate>
        <cdata>
          <text>&lt;p&gt;&lt;strong&gt;Fair Credit for American Hostages Act&lt;/strong&gt;&lt;/p&gt;&lt;p&gt;This bill prohibits a consumer reporting agency from including adverse credit information on a consumer's credit report if it occurred during a time when that consumer was held hostage or wrongfully detained abroad.&lt;/p&gt;</text>
        </cdata>
      </summary>
      <summary>
        <versionCode>55</versionCode>
        <actionDate>2024-12-16</actionDate>
        <actionDesc>Passed Senate</actionDesc>
        <updateDate>2025-07-30T19:27:58Z</updateDate>
        <cdata>
          <text>&lt;p&gt;&lt;strong&gt;Fair Credit for American Hostages Act&lt;/strong&gt;&lt;/p&gt;&lt;p&gt;This bill prohibits a consumer reporting agency from including adverse credit information on a consumer's credit report if it occurred during a time when that consumer was held hostage or wrongfully detained abroad.&lt;/p&gt;</text>
        </cdata>
      </summary>
    </summaries>
    <title>Fair Credit for American Hostages Act</title>
    <titles>
      <item>
        <titleType>Display Title</titleType>
        <titleTypeCode>45</titleTypeCode>
        <title>Fair Credit for American Hostages Act</title>
        <updateDate>2024-12-18T12:03:18Z</updateDate>
      </item>
      <item>
        <titleType>Short Title(s) as Passed Senate</titleType>
        <titleTypeCode>105</titleTypeCode>
        <title>Fair Credit for American Hostages Act</title>
        <updateDate>2024-12-17T12:13:13Z</updateDate>
        <chamberCode>S</chamberCode>
        <chamberName>Senate</chamberName>
        <billTextVersionName>Engrossed in Senate</billTextVersionName>
        <billTextVersionCode>ES</billTextVersionCode>
      </item>
      <item>
        <titleType>Official Title as Introduced</titleType>
        <titleTypeCode>6</titleTypeCode>
        <title>A bill to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from furnishing consumer reports containing adverse items of information about a consumer that resulted from that consumer being unlawfully or wrongfully detained abroad or held hostage abroad.</title>
        <updateDate>2024-12-17T11:56:15Z</updateDate>
      </item>
    </titles>
    <textVersions>
      <item>
        <type>Engrossed in Senate</type>
        <date>2024-12-16T05:00:00Z</date>
        <formats>
          <item>
            <url>https://www.govinfo.gov/content/pkg/BILLS-118s5543es/xml/BILLS-118s5543es.xml</url>
          </item>
        </formats>
      </item>
      <item>
        <type>Considered and Passed Senate</type>
        <date>2024-12-16T05:00:00Z</date>
        <formats>
          <item>
            <url>https://www.govinfo.gov/content/pkg/BILLS-118s5543cps/xml/BILLS-118s5543cps.xml</url>
          </item>
        </formats>
      </item>
    </textVersions>
    <latestAction>
      <actionDate>2024-12-17</actionDate>
      <text>Held at the desk.</text>
      <actionTime>10:47:41</actionTime>
    </latestAction>
  </bill>
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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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