[Congressional Record Volume 166, Number 19 (Wednesday, January 29, 2020)]
[Daily Digest]
[Pages D94-D95]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]





                        House of Representatives


Chamber Action
Public Bills and Resolutions Introduced: 16 public bills, H.R. 5699-
5714, were introduced.                                        
  Page H712
Additional Cosponsors:                                    
  Pages H713-14
Reports Filed: There were no reports filed today.
Speaker: Read a letter from the Speaker wherein she appointed 
Representative Cuellar to act as Speaker pro tempore for today. 
                                                              Page H637
Recess: The House recessed at 10:35 a.m. and reconvened at 12 noon. 
                                                              Page H643
Guest Chaplain: The prayer was offered by the Guest Chaplain, Rabbi 
Avraham Hakohen Romi Cohn, Congregation Adas Yereim Vien, Brooklyn, NY.
                                                              Page H644
Recess: The House recessed at 4:27 p.m. and reconvened at 5:59 p.m. 
                                                              Page H697
Meeting Hour: Agreed by unanimous consent that when the House adjourns 
today, it adjourn to meet at 9 a.m. tomorrow, January 30th.   
  Page H697
Student Borrower Credit Improvement Act: The House passed H.R. 3621, to 
amend the Fair Credit Reporting Act to remove adverse information for 
certain defaulted or delinquent private education loan borrowers who 
demonstrate a history of loan repayment, by a yea-and-nay vote of 221 
yeas to 189 nays, Roll No. 31.                 
  Pages H653-97, H697-H701
  Rejected the Hill (AR) motion to recommit the bill to the Committee 
on Financial Services with instructions to report the same back to the 
House forthwith with an amendment, by a yea-and-nay vote of 201 yeas to 
208 nays, Roll No. 30.                                  
Pages H698-H700
  Pursuant to the Rule, an amendment in the nature of a substitute 
consisting of the text of Rules Committee Print 116-47, modified by the 
amendment printed in part A of H. Rept. 116-383, shall be considered as 
adopted in the House and in the Committee of the Whole, in lieu of the 
amendment in the nature of a substitute recommended by the Committee on 
Financial Services now printed in the bill.               
Pages H661-81
Agreed to:
  DeSaulnier amendment (No. 1 printed in part B of H. Rept. 116-383) 
that requires the GAO to study how credit scores are used in rental 
housing and mortgage determinations, including information on treatment 
of different demographic populations;                     
Pages H681-82
  Shalala amendment (No. 2 printed in part B of H. Rept. 116-383) that 
requires the GAO to study how credit scores adversely impacted by a 
student borrowers defaulted or delinquent private education loan 
further impacts applying for future loans, including information on 
treatment of different demographic populations;               
Page H682
  Timmons amendment (No. 3 printed in part B of H. Rept. 116-383) that 
requires GAO to carry out a study of the compliance by consumer 
reporting agencies that compile and maintain files on consumers and the 
impact such compliance has on consumers;                  
Pages H682-83
  Steil amendment (No. 5 printed in part B of H. Rept. 116-383) that 
clarifies that a person's credit report may be used if the report is 
obtained in connection with a background check or related investigation 
of financial information that is required by a federal, state, or local 
law or regulation;                                            
Page H685
  Gottheimer amendment (No. 6 printed in part B of H. Rept. 116-383) 
that stipulates that if a credit scoring agency changes their model 
such that it may negatively impact the credit scores for a group of 
consumers, then the Consumer Financial Protection Bureau has the option 
to review the new model and prohibit the change if they find the change 
is inappropriate;                                         
Pages H685-87

[[Page D95]]


  Kildee amendment (No. 7 printed in part B of H. Rept. 116-383) that 
expands those impacted by major disasters and emergencies to include 
those working in the areas; extends the grace period for individuals 
affected by a major disaster or emergency to up to 6 months; 
                                                          Pages H687-88
  King (IA) amendment (No. 8 printed in part B of H. Rept. 116-383) 
that amends the date for relief on major disaster and emergency 
declarations to begin on the initial date of the incident period of the 
major disaster or emergency;                              
Pages H688-89
  Sanchez amendment (No. 9 printed in part B of H. Rept. 116-383) that 
allows for extended active duty uniformed consumers, including members 
of the National Guard, to dispute an adverse action or inaction on 
their credit report that occurred while they were in a combat zone or 
aboard a U.S. vessel; if a credit reporting agency has knowledge that 
the consumer was an extended active duty uniformed consumer at the time 
such action or inaction occurred, the credit reporting agency would 
have to promptly notify the consumer and inform them how to dispute the 
adverse information, and includes a budgetary offset;     
Pages H689-91
  Cohen amendment (No. 10 printed in part B of H. Rept. 116-383) that 
creates a time period for their credit report to change after making 
the consecutive payments;                                 
Pages H691-92
  Cohen amendment (No. 11 printed in part B of H. Rept. 116-383) that 
clarifies that credit reports cannot be used solely as the reason for 
denial of employment;                                     
Pages H692-93
  Takano amendment (No. 12 printed in part B of H. Rept. 116-383) that 
prohibits the inclusion of arrest records on a consumer report if the 
consumer was not convicted for the arrest;                
Pages H693-94
  Panetta amendment (No. 14 printed in part B of H. Rept. 116-383) that 
adds the term homelessness (as defined by the Secretary of Housing and 
Urban Development) as an unusual extenuating life circumstance or event 
that results in severe financial or personal barriers and demonstrates 
undue hardship;                                           
Pages H695-97
  Clay amendment (No. 4 printed in part B of H. Rept. 116-383) that 
clarifies Federal law for reporting certain positive consumer credit 
information to CRAs, and seeks to expand access to credit through use 
of alternative data, (by a recorded vote of 231 ayes to 135 noes, Roll 
No. 28); and                                     
Pages H683-85, H697-98
  Brown (MD) amendment (No. 13 printed in part B of H. Rept. 116-383) 
that reaffirms Congressional efforts to enhance cybersecurity and 
implement routine security updates of databases maintained by 
nationwide consumer reporting agencies that contain sensitive consumer 
data as critical to the national security of the United States; 
consumer reporting agencies will have to meet minimum training and 
ongoing certification requirements as established by the Director of 
The Bureau of Consumer Financial Protection, and the amendment includes 
a budgetary offset (by a recorded vote of 376 ayes to 38 noes, Roll No. 
29).                                                
Pages H694-95, H698
  H. Res. 811, providing for consideration of the bill (H.R. 3621) and 
providing for consideration of the Senate amendment to the bill (H.R. 
550) was agreed to yesterday, January 28th.
Suspensions: The House agreed to suspend the rules and pass the 
following measure:
  Temporary Reauthorization and Study of the Emergency Scheduling of 
Fentanyl Analogues Act: S. 3201, to extend the temporary scheduling 
order for fentanyl-related substances, by a \2/3\ yea-and-nay vote of 
320 yeas to 88 nays, Roll No. 32.                
  Pages H647-53, H701-02
Presidential Message: Read a message from the President wherein he 
transmitted to Congress in accordance with the United States-Mexico-
Canada Agreement the designation of emergency requirements--referred to 
the Committee on the Budget and ordered to be printed (H. Doc. 116-96).
                                                              Page H702
Quorum Calls--Votes: Three yea-and-nay votes and two recorded votes 
developed during the proceedings and appear on pages H697-98, H698, 
H700, H700-01, and H701-02. There were no quorum calls.
Adjournment: The House met at 10 a.m. and adjourned at 9 p.m.