United States 118th Congress Status: In Committee Bipartisan · 5 D · 3 R cosponsors

HR 4743 — RING Act of 2023

Last action — Referred to the House Committee on Financial Services.

  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill died with 118th Congress. It reached “In Committee” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.

This bill is no longer active — its legislative session has ended, so there are no live odds of enactment. It would have to be reintroduced in the current session to move again.

Summary

To require creditors to establish a phone line to assist obligors who are 50 years of age and older to resolve billing errors, and for other purposes.

Bill Text

How this bill changes current law

1 change Share ↗

Compared against current U.S. Code AI-generated reading aid — verify against the official bill.

The bill requires creditors to create a dedicated toll-free phone line for obligors aged 50 and older to assist with billing errors.

  • 15 U.S.C. 1666

    (f) Billing Error Assistance.-- (1) In general.--Not later than 1 year after the date of the enactment of this subsection, each creditor shall-- (A) establish and publish the phone number for a toll-free domestic phone line operated by persons located in the United States that is dedicated to directly assisting obligors age 50 and older to navigate the process described in this section for resolving billing errors, including the mitigation of fraudulent activity; and (B) provide a clear, understandable, and prominent notice to such obligors of the availability of such phone line through, email, websites, and mailings. (2) Phone line requirements.--In operating the phone line described under paragraph (1)(A), each creditor shall provide a caller with an option, at the beginning of a call, to receive the assistance described under paragraph (1)(A)-- (A) from a live English-speaking individual and not through an automated system; and (B) from a live Spanish-speaking individual and not through an automated system. (3) Personally identifiable information.--Each creditor shall ensure that the operator of any phone line established pursuant to paragraph (1) does not require any obligor to disclose personally identifiable information, including a social security number, to verify the age of such obligor.

    This change mandates the establishment of a phone line to help older obligors with billing errors.

Action History

  1. Introduced in House

  2. Introduced in House

  3. Referred to the House Committee on Financial Services.

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 7 co-sponsors · 539 not signed on

Sponsors (1)

Co-sponsors (7)

Not signed on (539)

539 members have not signed on to this bill.

Show all 539 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does HR 4743 do?
To require creditors to establish a phone line to assist obligors who are 50 years of age and older to resolve billing errors, and for other purposes.
Who sponsors HR 4743?
HR 4743 is sponsored by Mfume, Kweisi (Democratic), Gottheimer, Josh (Democratic), Fitzpatrick, Brian K. (Republican), Trone, David J. (Democratic), Salazar, Maria Elvira (Republican), Kim, Andy (Democratic), Buchanan, Vern (Republican), and Porter, Katie (Democratic).
What is the current status of HR 4743?
This bill died with 118th Congress. It reached “In Committee” and never advanced before the session ended, so it can no longer move — a new version would have to be reintroduced in the current session.
Where can I track HR 4743?
Track HR 4743 free on One Click Politics — get push/email alerts when it moves.

Make your voice heard on HR 4743

Find the representatives who decide this bill and tell them where you stand — for yourself, or mobilize your whole list in one click with One Click Politics advocacy software.

Find my representatives → Run a campaign

Stay ahead of HR 4743

Last checked for changes 2 months ago · updated continuously

One Click Politics tracks every bill in Congress and all 50 states.

Track this bill →