[Congressional Record Volume 166, Number 19 (Wednesday, January 29, 2020)]
[House]
[Pages H697-H701]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]




                STUDENT BORROWER CREDIT IMPROVEMENT ACT

  The SPEAKER pro tempore. Pursuant to House Resolution 811 and rule 
XVIII, the Chair declares the House in the Committee of the Whole House 
on the state of the Union for the further consideration of the bill, 
H.R. 3621.
  Will the gentlewoman from Colorado (Ms. DeGette) kindly take the 
chair.

                              {time}  1800


                     In the Committee of the Whole

  Accordingly, the House resolved itself into the Committee of the 
Whole House on the state of the Union for the further consideration of 
the bill (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, 
and for other purposes, with Ms. DeGette (Acting Chair) in the chair.
  The Clerk read the title of the bill.
  The Acting CHAIR. When the Committee of the Whole rose earlier today, 
amendment No. 14 printed in part B of House Report 116-383 offered by 
the gentleman from California (Mr. Panetta) had been disposed of.


                    Announcement by the Acting Chair

  The Acting CHAIR. Pursuant to clause 6 of rule XVIII, proceedings 
will now resume on those amendments printed in part B of House Report 
116-383 on which further proceedings were postponed, in the following 
order:
  Amendment No. 4 by Mr. Clay of Missouri.
  Amendment No. 13 by Mr. Brown of Maryland.
  The Chair will reduce to 2 minutes the minimum time for any 
electronic vote after the first vote in this series.


                  Amendment No. 4 Offered by Mr. Clay

  The Acting CHAIR. The unfinished business is the demand for a 
recorded vote on the amendment offered by the gentleman from Missouri 
(Mr. Clay) on which further proceedings were postponed and on which the 
ayes prevailed by voice vote.
  The Clerk will redesignate the amendment.
  The Clerk redesignated the amendment.


                             Recorded Vote

  The Acting CHAIR. A recorded vote has been demanded.
  A recorded vote was ordered.
  The vote was taken by electronic device, and there were--ayes 231, 
noes 185, not voting 19, as follows:

                             [Roll No. 28]

                               AYES--231

     Adams
     Aguilar
     Allred
     Axne
     Barragan
     Bass
     Beatty
     Bera
     Beyer
     Bishop (GA)
     Blumenauer
     Blunt Rochester
     Bonamici
     Boyle, Brendan F.
     Brindisi
     Brown (MD)
     Brownley (CA)
     Bustos
     Butterfield
     Carbajal
     Cardenas
     Carson (IN)
     Cartwright
     Case
     Casten (IL)
     Castor (FL)
     Castro (TX)
     Chu, Judy
     Cicilline
     Cisneros
     Clark (MA)
     Clarke (NY)
     Clay
     Cleaver
     Clyburn
     Cohen
     Connolly
     Cooper
     Correa
     Costa
     Courtney
     Cox (CA)
     Craig
     Crist
     Crow
     Cuellar
     Cunningham
     Davids (KS)
     Davis (CA)
     Davis, Danny K.
     Dean
     DeFazio
     DeGette
     DeLauro
     DelBene
     Delgado
     Demings
     DeSaulnier
     Deutch
     Dingell
     Doggett
     Doyle, Michael F.
     Engel
     Escobar
     Eshoo
     Espaillat
     Evans
     Finkenauer
     Fletcher
     Foster
     Frankel
     Fudge
     Gallego
     Garamendi
     Garcia (IL)
     Garcia (TX)
     Golden
     Gomez
     Gonzalez (TX)
     Gottheimer
     Green, Al (TX)
     Grijalva
     Haaland
     Harder (CA)
     Hayes
     Higgins (NY)
     Himes
     Horn, Kendra S.
     Horsford
     Houlahan
     Hoyer
     Huffman
     Jackson Lee
     Jayapal
     Jeffries
     Johnson (GA)
     Johnson (TX)
     Kaptur
     Keating
     Kelly (IL)
     Kennedy
     Khanna
     Kildee
     Kilmer
     Kim
     Kind
     Krishnamoorthi
     Kuster (NH)
     Lamb
     Langevin
     Larsen (WA)
     Larson (CT)
     Lawrence
     Lawson (FL)
     Lee (CA)
     Lee (NV)
     Levin (CA)
     Levin (MI)
     Lieu, Ted
     Lipinski
     Loebsack
     Lofgren
     Lowenthal
     Lowey
     Lujan
     Lynch
     Malinowski
     Maloney, Carolyn B.
     Maloney, Sean
     Matsui
     McAdams
     McBath
     McCollum
     McEachin
     McGovern
     McNerney
     Meeks
     Meng
     Moore
     Morelle
     Moulton
     Mucarsel-Powell
     Murphy (FL)
     Nadler
     Napolitano
     Neal
     Neguse
     Norcross
     Norton
     O'Halleran
     Ocasio-Cortez
     Omar
     Pallone
     Panetta
     Pappas
     Pascrell
     Payne
     Perlmutter
     Perry
     Peters
     Peterson
     Phillips
     Pingree
     Plaskett
     Pocan
     Porter
     Pressley
     Price (NC)
     Quigley
     Raskin
     Rice (NY)
     Richmond
     Rogers (AL)
     Rose (NY)
     Rouda
     Roybal-Allard
     Ruiz
     Ruppersberger
     Rush
     Sablan
     San Nicolas
     Sanchez
     Sarbanes
     Scanlon
     Schakowsky
     Schiff
     Schneider
     Schrader
     Schrier
     Scott (VA)
     Scott, David
     Serrano
     Sewell (AL)
     Shalala
     Sherman
     Sherrill
     Sires
     Slotkin
     Smith (WA)
     Soto
     Spanberger
     Spano
     Stanton
     Stevens
     Suozzi
     Swalwell (CA)
     Takano
     Thompson (CA)
     Thompson (MS)
     Titus
     Tlaib
     Tonko
     Torres (CA)
     Torres Small (NM)
     Trahan
     Trone
     Underwood
     Vargas
     Veasey
     Vela
     Velazquez
     Visclosky
     Wasserman Schultz
     Waters
     Watson Coleman
     Welch
     Wexton
     Wild
     Wilson (FL)
     Yarmuth
     Young

                               NOES--185

     Abraham
     Aderholt
     Allen
     Amash
     Amodei
     Armstrong
     Arrington
     Babin
     Bacon
     Baird
     Balderson
     Banks
     Barr
     Bergman
     Biggs
     Bilirakis
     Bishop (NC)
     Bishop (UT)
     Bost
     Brady
     Brooks (AL)
     Brooks (IN)
     Buchanan
     Bucshon
     Budd
     Burchett
     Burgess
     Calvert
     Carter (GA)
     Carter (TX)
     Chabot
     Cheney
     Cline
     Cloud
     Cole
     Collins (GA)
     Comer
     Conaway
     Cook
     Crawford
     Crenshaw
     Curtis
     Davidson (OH)
     Davis, Rodney
     DesJarlais
     Diaz-Balart
     Duncan
     Dunn
     Emmer
     Estes
     Ferguson
     Fitzpatrick
     Fleischmann
     Flores
     Fortenberry
     Foxx (NC)
     Fulcher
     Gaetz
     Gallagher
     Gianforte
     Gibbs
     Gohmert
     Gonzalez (OH)
     Gonzalez-Colon (PR)
     Gooden
     Gosar
     Granger
     Graves (GA)
     Graves (LA)
     Graves (MO)
     Green (TN)
     Griffith
     Grothman
     Guest
     Guthrie
     Hagedorn
     Harris
     Hartzler
     Hern, Kevin
     Herrera Beutler
     Hice (GA)
     Hill (AR)
     Holding
     Hollingsworth
     Hudson
     Huizenga
     Hurd (TX)
     Johnson (LA)
     Johnson (OH)
     Johnson (SD)
     Jordan
     Joyce (OH)
     Joyce (PA)
     Katko
     Keller
     Kelly (PA)
     King (IA)
     King (NY)
     Kustoff (TN)
     LaHood
     LaMalfa
     Lamborn
     Latta
     Lesko
     Long
     Lucas
     Luetkemeyer
     Marchant
     Marshall
     Massie
     Mast
     McCarthy
     McCaul
     McClintock
     McHenry
     McKinley
     Meadows
     Meuser
     Miller
     Mitchell
     Moolenaar
     Mooney (WV)
     Newhouse
     Norman
     Nunes
     Olson
     Palazzo
     Palmer
     Pence
     Posey
     Ratcliffe
     Reed
     Reschenthaler
     Rice (SC)
     Riggleman
     Roby
     Rodgers (WA)
     Roe, David P.
     Rogers (KY)
     Rose, John W.
     Rouzer
     Roy
     Rutherford
     Scalise
     Schweikert
     Scott, Austin
     Sensenbrenner
     Shimkus
     Simpson
     Smith (MO)
     Smith (NE)
     Smith (NJ)
     Smucker
     Stauber
     Stefanik
     Steil
     Steube
     Stewart
     Taylor
     Thompson (PA)
     Thornberry
     Timmons
     Tipton
     Turner
     Upton
     Van Drew
     Wagner
     Walberg
     Walden
     Walker
     Walorski
     Waltz
     Watkins
     Weber (TX)
     Webster (FL)
     Wenstrup
     Westerman
     Williams
     Wilson (SC)
     Wittman
     Womack
     Woodall
     Wright
     Yoho
     Zeldin

[[Page H698]]


  


                             NOT VOTING--19

     Buck
     Byrne
     Gabbard
     Hastings
     Heck
     Higgins (LA)
     Kelly (MS)
     Kinzinger
     Kirkpatrick
     Lewis
     Loudermilk
     Luria
     Mullin
     Murphy (NC)
     Radewagen
     Rooney (FL)
     Ryan
     Speier
     Stivers

                              {time}  1840

  Mr. HUDSON changed his vote from ``aye'' to ``no.''
  Mr. McNERNEY, Mses. WASSERMAN SCHULTZ, and JACKSON LEE changed their 
vote from ``no'' to ``aye.''
  So the amendment was agreed to.
  The result of the vote was announced as above recorded.


           Amendment No. 13 Offered by Mr. Brown of Maryland

  The Acting CHAIR. The unfinished business is the demand for a 
recorded vote on the amendment offered by the gentleman from Maryland 
(Mr. Brown) on which further proceedings were postponed and on which 
the ayes prevailed by voice vote.
  The Clerk will redesignate the amendment.
  The Clerk redesignated the amendment.


                             Recorded Vote

  The Acting CHAIR. A recorded vote has been demanded.
  A recorded vote was ordered.
  The Acting CHAIR. This will be a 2-minute vote.
  The vote was taken by electronic device, and there were--ayes 376, 
noes 38, not voting 21, as follows:

                             [Roll No. 29]

                               AYES--376

     Adams
     Aderholt
     Aguilar
     Allen
     Allred
     Amodei
     Armstrong
     Axne
     Bacon
     Baird
     Balderson
     Banks
     Barr
     Barragan
     Bass
     Beatty
     Bera
     Bergman
     Beyer
     Bilirakis
     Bishop (GA)
     Bishop (UT)
     Blumenauer
     Blunt Rochester
     Bonamici
     Bost
     Boyle, Brendan F.
     Brady
     Brindisi
     Brooks (IN)
     Brown (MD)
     Brownley (CA)
     Buchanan
     Bucshon
     Budd
     Burgess
     Bustos
     Butterfield
     Calvert
     Carbajal
     Cardenas
     Carson (IN)
     Carter (GA)
     Carter (TX)
     Cartwright
     Case
     Casten (IL)
     Castor (FL)
     Castro (TX)
     Chabot
     Cheney
     Chu, Judy
     Cicilline
     Cisneros
     Clark (MA)
     Clarke (NY)
     Clay
     Cleaver
     Clyburn
     Cohen
     Cole
     Collins (GA)
     Comer
     Conaway
     Connolly
     Cook
     Cooper
     Correa
     Costa
     Courtney
     Cox (CA)
     Craig
     Crawford
     Crenshaw
     Crist
     Crow
     Cuellar
     Cunningham
     Curtis
     Davids (KS)
     Davis (CA)
     Davis, Danny K.
     Davis, Rodney
     Dean
     DeFazio
     DeGette
     DeLauro
     DelBene
     Delgado
     Demings
     DeSaulnier
     DesJarlais
     Deutch
     Diaz-Balart
     Dingell
     Doggett
     Doyle, Michael F.
     Dunn
     Emmer
     Engel
     Escobar
     Eshoo
     Espaillat
     Estes
     Evans
     Finkenauer
     Fitzpatrick
     Fleischmann
     Fletcher
     Fortenberry
     Foster
     Foxx (NC)
     Frankel
     Fudge
     Fulcher
     Gallagher
     Gallego
     Garamendi
     Garcia (IL)
     Garcia (TX)
     Gianforte
     Gibbs
     Golden
     Gomez
     Gonzalez (OH)
     Gonzalez (TX)
     Gonzalez-Colon (PR)
     Gottheimer
     Granger
     Graves (GA)
     Graves (LA)
     Graves (MO)
     Green (TN)
     Green, Al (TX)
     Grijalva
     Grothman
     Guest
     Guthrie
     Haaland
     Hagedorn
     Harder (CA)
     Hartzler
     Hayes
     Hern, Kevin
     Herrera Beutler
     Hice (GA)
     Higgins (NY)
     Hill (AR)
     Himes
     Holding
     Hollingsworth
     Horn, Kendra S.
     Horsford
     Houlahan
     Hoyer
     Hudson
     Huffman
     Hurd (TX)
     Jackson Lee
     Jayapal
     Jeffries
     Johnson (GA)
     Johnson (LA)
     Johnson (OH)
     Johnson (SD)
     Johnson (TX)
     Joyce (OH)
     Joyce (PA)
     Kaptur
     Katko
     Keating
     Keller
     Kelly (IL)
     Kelly (PA)
     Kennedy
     Khanna
     Kildee
     Kilmer
     Kim
     Kind
     King (NY)
     Krishnamoorthi
     Kuster (NH)
     Kustoff (TN)
     LaHood
     LaMalfa
     Lamb
     Lamborn
     Langevin
     Larsen (WA)
     Larson (CT)
     Latta
     Lawrence
     Lawson (FL)
     Lee (CA)
     Lee (NV)
     Lesko
     Levin (CA)
     Levin (MI)
     Lieu, Ted
     Lipinski
     Loebsack
     Lofgren
     Long
     Lowenthal
     Lowey
     Lucas
     Luetkemeyer
     Lujan
     Lynch
     Malinowski
     Maloney, Carolyn B.
     Maloney, Sean
     Marshall
     Mast
     Matsui
     McAdams
     McBath
     McCarthy
     McCaul
     McCollum
     McEachin
     McGovern
     McHenry
     McKinley
     McNerney
     Meadows
     Meeks
     Meng
     Meuser
     Miller
     Mitchell
     Moolenaar
     Moore
     Morelle
     Moulton
     Mucarsel-Powell
     Murphy (FL)
     Nadler
     Napolitano
     Neal
     Neguse
     Newhouse
     Norcross
     Norton
     Nunes
     O'Halleran
     Ocasio-Cortez
     Olson
     Omar
     Palazzo
     Pallone
     Palmer
     Panetta
     Pappas
     Pascrell
     Payne
     Pence
     Perlmutter
     Perry
     Peters
     Peterson
     Phillips
     Pingree
     Plaskett
     Pocan
     Porter
     Posey
     Pressley
     Price (NC)
     Quigley
     Raskin
     Ratcliffe
     Reed
     Reschenthaler
     Rice (NY)
     Richmond
     Roby
     Rodgers (WA)
     Rogers (AL)
     Rogers (KY)
     Rose (NY)
     Rose, John W.
     Rouda
     Rouzer
     Roybal-Allard
     Ruiz
     Ruppersberger
     Rush
     Rutherford
     Sablan
     San Nicolas
     Sanchez
     Sarbanes
     Scalise
     Scanlon
     Schakowsky
     Schiff
     Schneider
     Schrader
     Schrier
     Schweikert
     Scott (VA)
     Scott, Austin
     Scott, David
     Sensenbrenner
     Serrano
     Sewell (AL)
     Shalala
     Sherman
     Sherrill
     Shimkus
     Simpson
     Sires
     Slotkin
     Smith (MO)
     Smith (NJ)
     Smith (WA)
     Smucker
     Soto
     Spanberger
     Spano
     Stanton
     Stauber
     Stefanik
     Steil
     Stevens
     Stewart
     Suozzi
     Swalwell (CA)
     Takano
     Taylor
     Thompson (CA)
     Thompson (MS)
     Thompson (PA)
     Thornberry
     Timmons
     Tipton
     Titus
     Tlaib
     Tonko
     Torres (CA)
     Torres Small (NM)
     Trahan
     Trone
     Turner
     Underwood
     Upton
     Van Drew
     Vargas
     Veasey
     Vela
     Velazquez
     Visclosky
     Wagner
     Walberg
     Walden
     Walorski
     Waltz
     Wasserman Schultz
     Waters
     Watkins
     Watson Coleman
     Webster (FL)
     Wenstrup
     Westerman
     Wexton
     Wild
     Wilson (FL)
     Wilson (SC)
     Wittman
     Womack
     Woodall
     Yarmuth
     Young
     Zeldin

                                NOES--38

     Abraham
     Amash
     Arrington
     Babin
     Biggs
     Bishop (NC)
     Brooks (AL)
     Burchett
     Cline
     Cloud
     Davidson (OH)
     Duncan
     Ferguson
     Flores
     Gaetz
     Gohmert
     Gooden
     Gosar
     Griffith
     Harris
     Huizenga
     Jordan
     King (IA)
     Marchant
     Massie
     McClintock
     Mooney (WV)
     Norman
     Rice (SC)
     Riggleman
     Roy
     Smith (NE)
     Steube
     Walker
     Weber (TX)
     Williams
     Wright
     Yoho

                             NOT VOTING--21

     Buck
     Byrne
     Gabbard
     Hastings
     Heck
     Higgins (LA)
     Kelly (MS)
     Kinzinger
     Kirkpatrick
     Lewis
     Loudermilk
     Luria
     Mullin
     Murphy (NC)
     Radewagen
     Roe, David P.
     Rooney (FL)
     Ryan
     Speier
     Stivers
     Welch


                    Announcement by the Acting Chair

  The Acting CHAIR (during the vote). There is 1 minute remaining.

                              {time}  1844

  Mr. STEUBE changed his vote from ``aye'' to ``no.''
  The amendment was agreed to.
  The result of the vote was announced as above recorded.
  The Acting CHAIR (Mr. Veasey). There being no further amendments, 
under the rule, the Committee rises.
  Accordingly, the Committee rose; and the Speaker pro tempore (Ms. 
DeGette) having assumed the chair, Mr. Veasey, Acting Chair of the 
Committee of the Whole House on the state of the Union, reported that 
that Committee, having had under consideration the bill (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, and for other purposes, and, 
pursuant to House Resolution 811, he reported the bill, as amended by 
that resolution, back to the House with sundry further amendments 
adopted in the Committee of the Whole.
  The SPEAKER pro tempore. Under the rule, the previous question is 
ordered.
  Is a separate vote demanded on any further amendment reported from 
the Committee of the Whole? If not, the Chair will put them en gros.
  The amendments were agreed to.
  The SPEAKER pro tempore. The question is on the engrossment and third 
reading of the bill.
  The bill was ordered to be engrossed and read a third time, and was 
read the third time.


                           Motion to Recommit

  Mr. HILL of Arkansas. Madam Speaker, I have a motion to recommit at 
the desk.
  The SPEAKER pro tempore. Is the gentleman opposed to the bill?
  Mr. HILL of Arkansas. I am, in its present form.
  The SPEAKER pro tempore. The Clerk will report the motion to 
recommit.
  The Clerk read as follows:
       Mr. Hill of Arkansas moves to recommit the bill H.R. 3621 
     to the Committee on Financial Services with instructions to 
     report the same back to the House forthwith with the 
     following amendment:
       Page 161, line 2, strike ``; and'' and insert after such 
     line the following:
       ``(c) Limitation With Respect to Protected Expressions.--
     The Bureau may not require, as a condition for a credit 
     scoring model to satisfy the standards established under 
     subsection (a) or as a condition for determining a credit 
     scoring model is appropriate under subsection (b), that a 
     credit

[[Page H699]]

     scoring model make use of information related to political 
     opinions, religious expression, or other expression protected 
     by the First Amendment, whether obtained from a social media 
     account of a consumer or other sources.''; and

  Mr. HILL of Arkansas (during the reading). Madam Speaker, I ask 
unanimous consent to dispense with the reading.
  The SPEAKER pro tempore. Is there objection to the request of the 
gentleman from Arkansas?
  There was no objection.
  The SPEAKER pro tempore. Pursuant to the rule, the gentleman from 
Arkansas is recognized for 5 minutes in support of his motion.
  Mr. HILL of Arkansas. Madam Speaker, let me start by saying the 
spirit of this bill is noble. Finding ways to ensure that all 
Americans, no matter of race, creed, color, or ZIP Code, have access to 
affordable credit is a noble pursuit. It is a top priority of the House 
Financial Services Committee.
  In fact, Madam Speaker, it is a personal priority. I have introduced 
H.R. 4231 that has bipartisan and bicameral support. It facilitates the 
use of additional data from rental, utility, and telecom payments to 
help more Americans repair and build their credit score. Thousands more 
would qualify and have better access to credit.
  The reality is that, while this is an issue that faces all Americans, 
it is communities of color that overwhelmingly face the greatest 
obstacles when it comes to obtaining access to affordable credit.
  Legislating is difficult. It requires good faith negotiation, 
compromise, and a willingness to take a small degree of political risk 
that occasionally makes our political lives a little more complicated.
  Messaging, Madam Speaker, on the other hand, is easy. It only 
requires the inherent power of the majority.
  There was a bipartisan path that could have been taken, but today, 
House Democrats chose to detour down the messaging-only path.
  With a vote today, the majority is, sadly, seeking to socialize 
credit, consumer credit ratings, and credit risk. This will jeopardize 
access to credit for millions of low-income and moderate-income 
families.
  This legislation will inhibit lenders' ability to get the full 
picture of a consumer's financial health, making risk more difficult to 
assess. This ultimately increases the cost and decreases the 
availability for our consumers.
  The good news is, Madam Speaker, that Republicans will stand united 
in opposition to a government takeover of our credit bureaus.
  Today, the majority in Congress seeks to socialize our credit system 
by having credit scoring and credit scoring models taken over by the 
government, specifically, the unaccountable Consumer Financial 
Protection Bureau. However, I hope that we can all come together on one 
major principle.
  My amendment will not kill the bill or send it back to committee. It 
will ensure that we do not allow Federal agencies to pick winners and 
losers based on political, religious, or other beliefs protected by our 
Constitution.
  Specifically, my friends, we need to ensure that the CFPB does not 
exploit this newfound power and punish Americans based on their 
heartfelt First Amendment rights. Simply put, my motion to recommit 
will prohibit the CFPB from requiring credit scoring models from using 
information related to Americans' political opinions, their religious 
beliefs, or other expression that is protected by the First Amendment.
  Let's make certain, my friends, that the United States Government 
doesn't use the tactics now made so popular in Beijing.
  In China, Madam Speaker, agencies are collecting enormous amounts of 
data related to individual financing, social media accounts, health 
records, and facial recognition. In China, my friends, now we have the 
social score. It permits rewards and punishments based on each 
individual's social score.
  For example, if you have a higher social score, you might get a 
discount on your monthly energy bill. If you have a lower score, you 
might not be able to get on that train or airplane.
  According to the Chinese Government, all social scores for 1.4 
billion Chinese will be made publicly available this year.
  American ideals go against everything the social credit system 
represents. Supporting this MTR would ensure what is happening in China 
will never happen in our country.
  The CFPB has too much power, and we should make sure that Americans 
do not lose access to credit based on the decisions of an unaccountable 
organization. This unaccountable organization has a history of 
overstepping its bounds.
  As policymakers, we need to support measures that increase access to 
affordable credit and increase accuracy and security of the consumer 
credit information while remedying concerns about the existing system.
  This legislation undermines the fundamental strengths of that credit 
reporting system and makes it more difficult, more expensive, for 
lenders to analyze the credit risk of our friends and neighbors across 
this country.
  The United States has the best financial system in the world. I urge 
my colleagues to vote ``yes'' on this motion to recommit; vote ``no'' 
on the underlying bill. Help maintain the United States as the most 
competitive consumer finance system in the world. And I would urge my 
friends, there is a right way to vote on this MTR and there is a Huawei 
to vote on this MTR.
  Madam Speaker, I yield back the balance of my time.
  Mrs. BEATTY. Madam Speaker, I rise to claim the time in opposition.
  The SPEAKER pro tempore. The gentlewoman from Ohio is recognized for 
5 minutes.
  Mrs. BEATTY. Madam Speaker, the current credit reporting system is 
broken and does not work for consumers, nor does this motion to 
recommit.
  Madam Speaker, I am going to take a few moments to address what my 
colleague just said, to address his jangling discords of words.
  Today, they are trying to slow down this bill. We have had four 
hearings, two markups in this Congress alone. Never once did this come 
up. And now they want to make it about false fears? Now they want to 
make it about free speech and China?

  Let me tell you something: We don't have free speech when credit 
bureaus own our information and it is wrong.
  Madam Speaker, the current credit reporting system is rigged in favor 
of the credit reporting agencies, plain and simple. They have all the 
power. They are accountable to no one. Ordinary American consumers are 
not their customers but their products.
  In 2017, Madam Speaker, one of the three credit reporting bureaus, 
Equifax, exposed personal information of more than 148 million 
Americans--nearly half the country--in the largest data breach ever, 
and there was nothing that our constituents could have done about it to 
protect or stop their sensitive personal information from being 
exposed.
  Even the ranking member of the Financial Services Committee admits 
that the system is broken. But what was the response of my Republican 
majority colleagues in 2017 when the American people found out that 
their data was breached?
  Did they bring any legislation to the floor to address it? Did they 
bring anything to fix it? No.
  Instead, they tried to repeal protections for people with preexisting 
conditions in affordable healthcare. Instead, they passed massive tax 
cuts for the 1 percent.
  Well, there is a new Democratic majority in this Congress, and we are 
acting to fix this broken system with the Comprehensive CREDIT Act.
  I thank Congresswoman Maxine Waters.
  There are few numbers as important to an individual as their credit 
score. Whether you are applying for a home loan, an auto loan, a credit 
card, or even applying for a job, a credit score plays a crucial role 
in the financial lives of all Americans.
  Despite its importance, the system is broken. The FTC found that 42 
million consumers had errors found in their credit reports, and the 
Consumer Financial Protection Bureau's complaint database shows that 
the number one topic by consumers, 39 percent of all complaints, was 
consumers reporting errors.
  Do the credit reporting companies care? No, they do not. Why should 
they? There is no incentive for them to care, because the consumers 
have no say.
  This package of bills would fundamentally overhaul the broken system 
and give the power over credit files

[[Page H700]]

back to the consumers where it belongs. This package of bills is For 
the People.
  Madam Speaker, I stand with Congresswoman Ayanna Pressley and her 
bill to remove predatory private education loan information from credit 
files.
  I stand with Congresswoman Tlaib and her bill to prohibit medical 
debt to be reported to credit bureaus for 1 year.
  I stand with Congressman Lynch and his bill to give regulators 
oversight over credit scoring models.
  I stand with Congressman Lawson and his bill to ensure employers 
don't use credit files to discriminate in hiring decisions.
  I stand with Congresswoman Adams and her bill to put the power to 
dispute credit inaccuracies back into the hands of consumers.
  And I stand for my bill to give consumers free access to their credit 
scores directly from the three national credit reporting agencies, with 
no strings attached.
  Madam Speaker, I urge my colleagues to stand with us, stand with the 
consumers. Support us and your constituents. Vote ``yes'' for this bill 
and ``no'' on the MTR.
  Madam Speaker, I yield back the balance of my time.
  The SPEAKER pro tempore. Without objection, the previous question is 
ordered on the motion to recommit.
  There was no objection.
  The SPEAKER pro tempore. The question is on the motion to recommit.
  The question was taken; and the Speaker pro tempore announced that 
the noes appeared to have it.
  Mr. HILL of Arkansas. Madam Speaker, on that I demand the yeas and 
nays.
  The yeas and nays were ordered.
  The SPEAKER pro tempore. Pursuant to clause 9 of rule XX, this 5-
minute vote on the motion to recommit will be followed by 5-minute 
votes on passage of the bill, if ordered, and the motion to suspend the 
rules and pass S. 3201.
  This will be a 5-minute vote.
  The vote was taken by electronic device, and there were--yeas 201, 
nays 208, not voting 20, as follows:

                             [Roll No. 30]

                               YEAS--201

     Abraham
     Aderholt
     Allen
     Amash
     Amodei
     Armstrong
     Arrington
     Babin
     Bacon
     Baird
     Balderson
     Banks
     Barr
     Bergman
     Biggs
     Bilirakis
     Bishop (NC)
     Bishop (UT)
     Bost
     Brady
     Brindisi
     Brooks (AL)
     Brooks (IN)
     Buchanan
     Bucshon
     Budd
     Burchett
     Burgess
     Calvert
     Carter (GA)
     Carter (TX)
     Case
     Chabot
     Cheney
     Cline
     Cloud
     Cole
     Collins (GA)
     Comer
     Conaway
     Cook
     Craig
     Crawford
     Crenshaw
     Cunningham
     Curtis
     Davidson (OH)
     Davis, Rodney
     DesJarlais
     Diaz-Balart
     Duncan
     Dunn
     Emmer
     Estes
     Ferguson
     Finkenauer
     Fitzpatrick
     Fleischmann
     Flores
     Fortenberry
     Foxx (NC)
     Fulcher
     Gaetz
     Gallagher
     Gianforte
     Gibbs
     Gohmert
     Golden
     Gonzalez (OH)
     Gooden
     Gosar
     Gottheimer
     Granger
     Graves (GA)
     Graves (LA)
     Graves (MO)
     Green (TN)
     Griffith
     Grothman
     Guest
     Guthrie
     Hagedorn
     Harris
     Hartzler
     Hern, Kevin
     Herrera Beutler
     Hice (GA)
     Hill (AR)
     Holding
     Hollingsworth
     Horn, Kendra S.
     Houlahan
     Hudson
     Huizenga
     Hurd (TX)
     Johnson (LA)
     Johnson (OH)
     Johnson (SD)
     Jordan
     Joyce (OH)
     Joyce (PA)
     Katko
     Keller
     Kelly (PA)
     King (IA)
     King (NY)
     Kustoff (TN)
     LaHood
     LaMalfa
     Lamb
     Lamborn
     Latta
     Lesko
     Lipinski
     Long
     Lucas
     Luetkemeyer
     Marchant
     Marshall
     Massie
     Mast
     McCarthy
     McCaul
     McClintock
     McHenry
     McKinley
     Meuser
     Miller
     Mitchell
     Moolenaar
     Mooney (WV)
     Newhouse
     Norman
     Nunes
     Olson
     Palazzo
     Palmer
     Pence
     Perry
     Peterson
     Posey
     Ratcliffe
     Reed
     Reschenthaler
     Rice (SC)
     Riggleman
     Roby
     Rodgers (WA)
     Rogers (AL)
     Rogers (KY)
     Rose (NY)
     Rose, John W.
     Rouzer
     Roy
     Rutherford
     Scalise
     Schweikert
     Scott, Austin
     Sensenbrenner
     Shimkus
     Simpson
     Smith (MO)
     Smith (NE)
     Smith (NJ)
     Smucker
     Spanberger
     Spano
     Stauber
     Stefanik
     Steil
     Steube
     Stewart
     Taylor
     Thompson (PA)
     Thornberry
     Timmons
     Tipton
     Turner
     Upton
     Van Drew
     Wagner
     Walberg
     Walden
     Walker
     Walorski
     Waltz
     Watkins
     Weber (TX)
     Webster (FL)
     Wenstrup
     Westerman
     Wild
     Williams
     Wilson (SC)
     Wittman
     Womack
     Woodall
     Wright
     Yoho
     Young
     Zeldin

                               NAYS--208

     Adams
     Aguilar
     Allred
     Axne
     Barragan
     Bass
     Beatty
     Bera
     Beyer
     Bishop (GA)
     Blumenauer
     Blunt Rochester
     Bonamici
     Boyle, Brendan F.
     Brown (MD)
     Brownley (CA)
     Bustos
     Butterfield
     Carbajal
     Cardenas
     Carson (IN)
     Cartwright
     Casten (IL)
     Castor (FL)
     Castro (TX)
     Chu, Judy
     Cicilline
     Cisneros
     Clark (MA)
     Clarke (NY)
     Clay
     Cleaver
     Clyburn
     Cohen
     Connolly
     Cooper
     Correa
     Costa
     Courtney
     Cox (CA)
     Crist
     Crow
     Cuellar
     Davids (KS)
     Davis (CA)
     Davis, Danny K.
     Dean
     DeFazio
     DeGette
     DeLauro
     DelBene
     Delgado
     Demings
     DeSaulnier
     Deutch
     Dingell
     Doggett
     Doyle, Michael F.
     Engel
     Escobar
     Eshoo
     Espaillat
     Evans
     Fletcher
     Foster
     Frankel
     Fudge
     Gallego
     Garamendi
     Garcia (IL)
     Garcia (TX)
     Gomez
     Gonzalez (TX)
     Green, Al (TX)
     Grijalva
     Haaland
     Harder (CA)
     Hayes
     Higgins (NY)
     Himes
     Horsford
     Hoyer
     Huffman
     Jackson Lee
     Jayapal
     Jeffries
     Johnson (GA)
     Johnson (TX)
     Kaptur
     Keating
     Kelly (IL)
     Kennedy
     Khanna
     Kildee
     Kilmer
     Kim
     Kind
     Krishnamoorthi
     Kuster (NH)
     Langevin
     Larsen (WA)
     Larson (CT)
     Lawrence
     Lawson (FL)
     Lee (CA)
     Lee (NV)
     Levin (CA)
     Levin (MI)
     Lieu, Ted
     Loebsack
     Lofgren
     Lowenthal
     Lowey
     Lujan
     Lynch
     Malinowski
     Maloney, Carolyn B.
     Maloney, Sean
     Matsui
     McAdams
     McBath
     McCollum
     McEachin
     McGovern
     McNerney
     Meeks
     Meng
     Moore
     Morelle
     Moulton
     Mucarsel-Powell
     Murphy (FL)
     Nadler
     Napolitano
     Neal
     Neguse
     Norcross
     O'Halleran
     Ocasio-Cortez
     Omar
     Pallone
     Panetta
     Pappas
     Pascrell
     Payne
     Perlmutter
     Peters
     Phillips
     Pingree
     Pocan
     Porter
     Pressley
     Price (NC)
     Quigley
     Raskin
     Rice (NY)
     Richmond
     Rouda
     Roybal-Allard
     Ruiz
     Ruppersberger
     Rush
     Sanchez
     Sarbanes
     Scanlon
     Schakowsky
     Schiff
     Schneider
     Schrader
     Schrier
     Scott (VA)
     Scott, David
     Serrano
     Sewell (AL)
     Shalala
     Sherman
     Sherrill
     Sires
     Slotkin
     Smith (WA)
     Soto
     Stanton
     Stevens
     Suozzi
     Swalwell (CA)
     Takano
     Thompson (CA)
     Thompson (MS)
     Titus
     Tlaib
     Tonko
     Torres (CA)
     Torres Small (NM)
     Trahan
     Trone
     Underwood
     Vargas
     Veasey
     Vela
     Velazquez
     Visclosky
     Wasserman Schultz
     Waters
     Watson Coleman
     Welch
     Wexton
     Wilson (FL)
     Yarmuth

                             NOT VOTING--20

     Buck
     Byrne
     Gabbard
     Hastings
     Heck
     Higgins (LA)
     Kelly (MS)
     Kinzinger
     Kirkpatrick
     Lewis
     Loudermilk
     Luria
     Meadows
     Mullin
     Murphy (NC)
     Roe, David P.
     Rooney (FL)
     Ryan
     Speier
     Stivers


                Announcement by the Speaker Pro Tempore

  The SPEAKER pro tempore (during the vote). There are 2 minutes 
remaining.

                              {time}  1905

  So the motion to recommit was rejected.
  The result of the vote was announced as above recorded.
  The SPEAKER pro tempore. The question is on the passage of the bill.
  The question was taken; and the Speaker pro tempore announced that 
the ayes appeared to have it.
  Mr. McHENRY. Madam Speaker, on that I demand the yeas and nays.
  The yeas and nays were ordered.
  The SPEAKER pro tempore. This will be a 5-minute vote.
  The vote was taken by electronic device, and there were--yeas 221, 
nays 189, not voting 19, as follows:

                             [Roll No. 31]

                               YEAS--221

     Adams
     Aguilar
     Allred
     Axne
     Barragan
     Bass
     Beatty
     Bera
     Beyer
     Bishop (GA)
     Blumenauer
     Blunt Rochester
     Bonamici
     Boyle, Brendan F.
     Brindisi
     Brown (MD)
     Brownley (CA)
     Bustos
     Butterfield
     Carbajal
     Cardenas
     Carson (IN)
     Cartwright
     Casten (IL)
     Castor (FL)
     Castro (TX)
     Chu, Judy
     Cicilline
     Cisneros
     Clark (MA)
     Clarke (NY)
     Clay
     Cleaver
     Clyburn
     Cohen
     Connolly
     Cooper
     Correa
     Costa
     Courtney
     Cox (CA)
     Craig
     Crist
     Crow
     Cuellar
     Cunningham
     Davids (KS)
     Davis (CA)
     Davis, Danny K.
     Dean
     DeFazio
     DeGette
     DeLauro
     DelBene
     Delgado
     Demings
     DeSaulnier
     Deutch
     Dingell
     Doggett
     Doyle, Michael F.
     Engel
     Escobar
     Eshoo
     Espaillat
     Evans
     Finkenauer
     Fletcher
     Foster
     Frankel
     Fudge
     Gallego
     Garamendi
     Garcia (IL)
     Garcia (TX)
     Golden
     Gomez
     Gonzalez (TX)
     Gottheimer
     Green, Al (TX)
     Grijalva
     Haaland
     Harder (CA)
     Hayes
     Higgins (NY)
     Himes
     Horn, Kendra S.
     Horsford
     Houlahan
     Hoyer
     Huffman
     Jackson Lee
     Jayapal
     Jeffries
     Johnson (GA)
     Johnson (TX)
     Kaptur
     Keating
     Kelly (IL)
     Kennedy
     Khanna
     Kildee
     Kilmer
     Kim
     Kind
     Krishnamoorthi

[[Page H701]]


     Kuster (NH)
     Lamb
     Langevin
     Larsen (WA)
     Larson (CT)
     Lawrence
     Lawson (FL)
     Lee (CA)
     Lee (NV)
     Levin (CA)
     Levin (MI)
     Lieu, Ted
     Lipinski
     Loebsack
     Lofgren
     Lowenthal
     Lowey
     Lujan
     Lynch
     Malinowski
     Maloney, Carolyn B.
     Maloney, Sean
     Matsui
     McAdams
     McBath
     McCollum
     McEachin
     McGovern
     McNerney
     Meeks
     Meng
     Moore
     Morelle
     Moulton
     Mucarsel-Powell
     Murphy (FL)
     Nadler
     Napolitano
     Neal
     Neguse
     Norcross
     O'Halleran
     Ocasio-Cortez
     Omar
     Pallone
     Panetta
     Pappas
     Pascrell
     Payne
     Perlmutter
     Peters
     Phillips
     Pingree
     Pocan
     Porter
     Pressley
     Price (NC)
     Quigley
     Raskin
     Rice (NY)
     Richmond
     Rose (NY)
     Rouda
     Roybal-Allard
     Ruiz
     Ruppersberger
     Rush
     Sanchez
     Sarbanes
     Scanlon
     Schakowsky
     Schiff
     Schneider
     Schrader
     Schrier
     Scott (VA)
     Scott, David
     Serrano
     Sewell (AL)
     Shalala
     Sherman
     Sherrill
     Sires
     Slotkin
     Smith (WA)
     Soto
     Spanberger
     Stanton
     Stevens
     Suozzi
     Swalwell (CA)
     Takano
     Thompson (CA)
     Thompson (MS)
     Titus
     Tlaib
     Tonko
     Torres (CA)
     Torres Small (NM)
     Trahan
     Trone
     Underwood
     Vargas
     Veasey
     Vela
     Velazquez
     Visclosky
     Wasserman Schultz
     Waters
     Watson Coleman
     Welch
     Wexton
     Wild
     Wilson (FL)
     Yarmuth

                               NAYS--189

     Abraham
     Aderholt
     Allen
     Amash
     Amodei
     Armstrong
     Arrington
     Babin
     Bacon
     Baird
     Balderson
     Banks
     Barr
     Bergman
     Biggs
     Bilirakis
     Bishop (NC)
     Bishop (UT)
     Bost
     Brady
     Brooks (AL)
     Brooks (IN)
     Buchanan
     Bucshon
     Budd
     Burchett
     Burgess
     Calvert
     Carter (GA)
     Carter (TX)
     Case
     Chabot
     Cheney
     Cline
     Cloud
     Cole
     Collins (GA)
     Comer
     Conaway
     Cook
     Crawford
     Crenshaw
     Curtis
     Davidson (OH)
     Davis, Rodney
     DesJarlais
     Diaz-Balart
     Duncan
     Dunn
     Emmer
     Estes
     Ferguson
     Fitzpatrick
     Fleischmann
     Flores
     Fortenberry
     Foxx (NC)
     Fulcher
     Gaetz
     Gallagher
     Gianforte
     Gibbs
     Gohmert
     Gonzalez (OH)
     Gooden
     Gosar
     Granger
     Graves (GA)
     Graves (LA)
     Graves (MO)
     Green (TN)
     Griffith
     Grothman
     Guest
     Guthrie
     Hagedorn
     Harris
     Hartzler
     Hern, Kevin
     Herrera Beutler
     Hice (GA)
     Hill (AR)
     Holding
     Hollingsworth
     Hudson
     Huizenga
     Hurd (TX)
     Johnson (LA)
     Johnson (OH)
     Johnson (SD)
     Jordan
     Joyce (OH)
     Joyce (PA)
     Katko
     Keller
     Kelly (PA)
     King (IA)
     King (NY)
     Kustoff (TN)
     LaHood
     LaMalfa
     Lamborn
     Latta
     Lesko
     Long
     Lucas
     Luetkemeyer
     Marchant
     Marshall
     Massie
     Mast
     McCarthy
     McCaul
     McClintock
     McHenry
     McKinley
     Meadows
     Meuser
     Miller
     Mitchell
     Moolenaar
     Mooney (WV)
     Newhouse
     Norman
     Nunes
     Olson
     Palazzo
     Palmer
     Pence
     Perry
     Peterson
     Posey
     Ratcliffe
     Reed
     Reschenthaler
     Rice (SC)
     Riggleman
     Roby
     Rodgers (WA)
     Rogers (AL)
     Rogers (KY)
     Rose, John W.
     Rouzer
     Roy
     Rutherford
     Scalise
     Schweikert
     Scott, Austin
     Sensenbrenner
     Shimkus
     Simpson
     Smith (MO)
     Smith (NE)
     Smith (NJ)
     Smucker
     Spano
     Stauber
     Stefanik
     Steil
     Steube
     Stewart
     Taylor
     Thompson (PA)
     Thornberry
     Timmons
     Tipton
     Turner
     Upton
     Van Drew
     Wagner
     Walberg
     Walden
     Walker
     Walorski
     Waltz
     Watkins
     Weber (TX)
     Webster (FL)
     Wenstrup
     Westerman
     Williams
     Wilson (SC)
     Wittman
     Womack
     Woodall
     Wright
     Yoho
     Young
     Zeldin

                             NOT VOTING--19

     Buck
     Byrne
     Gabbard
     Hastings
     Heck
     Higgins (LA)
     Kelly (MS)
     Kinzinger
     Kirkpatrick
     Lewis
     Loudermilk
     Luria
     Mullin
     Murphy (NC)
     Roe, David P.
     Rooney (FL)
     Ryan
     Speier
     Stivers


                Announcement by the Speaker Pro Tempore

  The SPEAKER pro tempore (during the vote). There are 2 minutes 
remaining.

                              {time}  1912

  So the bill was passed.
  The result of the vote was announced as above recorded.
  A motion to reconsider was laid on the table.

                          ____________________