FAIR CREDIT REPORTING ACT

Bills and resolutions

Armed Forces: modify applicability of credit monitoring for active duty military consumers (see H.R. 5123), H4157 [1AU]

Credit: clarify Federal law relative to reporting positive consumer credit information to consumer reporting agencies (see S. 1654), S1704 [17MY] (see H.R. 3418), H2424 [17MY]

——— exclude from credit reports medical debt for medically necessary procedures and provide for timetable for collection of medical debt (see H.R. 1773), H1409 [23MR]

——— expand definition of active duty military consumer for purposes of certain credit monitoring requirements (see S. 1316), S1382 [26AP] (see H.R. 1521), H1248 [9MR]

——— prevent consumer reporting agencies from furnishing consumer reports under certain circumstances (see S. 3502), S5961 [13DE]

——— prohibit consumer reporting agencies that furnish reports for tenant screening purposes from providing certain information and establish duties of users of consumer reports for housing purposes (see H.R. 4560), H3205 [11JY]

——— prohibit creation and sale of trigger leads (see H.R. 2656), H1759 [17AP]

——— prohibit inclusion of medical debt on consumer report (see S. 3103), S5110 [19OC] (see H.R. 6003), H5032 [19OC]

——— prohibit use of consumer credit checks against prospective and current employees to make adverse employment decisions (see S. 2690), S3756 [27JY] (see H.R. 4983), H4137 [27JY]

——— require consumer reporting agencies to obtain consumer’s authorization to release certain personal information and prevent unauthorized access to consumer reports and personal information (see S. 1327), S1382 [26AP]

——— require consumer reporting agencies to provide small business credit protections by informing them of data breaches and prohibiting charging for credit reports following such breaches (see S. 1371), S1418 [27AP] (see H.R. 3071), H2125 [2MY]

——— require nationwide consumer reporting agencies, upon request, to use consumer’s current legal name on consumer reports (see S. 2592), S3753 [27JY] (see H.R. 2444), H1692 [30MR]

——— restore credit of victims of predatory activities and unfair reporting practices, expand access to tools to protect from identity theft, fraud, or related crime, and protect victims from further harm (see H.R. 5180), H4171 [8AU]

Financial institutions: prohibit consumer reporting agencies from furnishing pre-screening report requests to third parties unless third party certifies it has current relationship with consumer (see H.R. 4198), H2964 [16JN]

Remarks in House

Credit: exclude from credit reports medical debt for medically necessary procedures and provide for timetable for collection of medical debt (H.R. 1773), H1333 [23MR]

——— require nationwide consumer reporting agencies, upon request, to use consumer’s current legal name on consumer reports, H1470 [28MR]

——— restore credit of victims of predatory activities and unfair reporting practices, expand access to tools to protect from identity theft, fraud, or related crime, and protect victims from further harm, H4037 [27JY]

Remarks in Senate

Credit: prevent consumer reporting agencies from furnishing consumer reports under certain circumstances (S. 3502), S5963 [13DE]

——— require consumer reporting agencies to obtain consumer’s authorization to release certain personal information and prevent unauthorized access to consumer reports and personal information (S. 1327), S1390 [26AP]