Fair Access to Credit Scores Act of 2019
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HR 2824 — Fair Access to Credit Scores Act of 2019
Last action — Referred to the House Committee on Financial Services.
No card. One bill, free forever — alerts when it moves.
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✓Introduced
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2In Committee
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3Passed House
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4Passed Senate
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5To Executive
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6Enacted
This bill died with 116th 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This bill is no longer active — its legislative session has ended, so there is no live prognosis. It would have to be reintroduced in the current session to move again.
Summary
Fair Access to Credit Scores Act of 2019 This bill requires certain consumer reporting agencies to disclose, upon request, as part of a consumer's free annual disclosure (1) the consumer's current credit score, (2) any other information in the consumer's file regarding risk scores or predictors, and (3) any other consumer information the Consumer Financial Protection Bureau considers appropriate with respect to consumer financial education. Consumer reporting agencies shall maintain such scores or predictors in a consumer's file for at least one year after the data is generated.
Bill Text
- Introduced Introduced in House Current html May 17, 2019
Compared against current U.S. Code AI-generated reading aid — verify against the official bill.
The bill amends the Fair Credit Reporting Act to require consumer reporting agencies to include credit scores with free annual credit reports provided to consumers.
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15 U.S.C. 1681g
nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.The bill removes the previous prohibition on disclosing credit scores in consumer reports.
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15 U.S.C. 1681g
(7) If the consumer reporting agency is a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis as described in section 603(p), each such agency shall disclose a current credit score generated using the scoring algorithm, formula, model, program, or mechanism that is most frequently used to generate credit scores sold to creditors, subject to regulations of the Bureau, along with any information in the consumer's file at the time of the request concerning credit scores or any other risk scores or other predictors relating to the consumer, if such request is made in connection with a free annual disclosure made pursuant to section 612(a).
The bill mandates that nationwide consumer reporting agencies must disclose the credit score alongside the consumer's credit report upon request.
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15 U.S.C. 1681g
(8) Such other consumer information as the Bureau considers appropriate with respect to consumer financial education, including the information required by subsection (f)(1), information describing the credit score of the consumer with respect to a range of possible credit scores, and the general factors contributing to the credit scores of consumers.
The bill allows for additional consumer information regarding financial education and understanding of credit scores to be included.
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15 U.S.C. 1681j
free credit report→ free or low cost credit report or credit scoreThe bill updates the terminology to explicitly include credit scores when referring to reports that are provided without charge.
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15 U.S.C. 1681j(g)(1)
free credit report→ free or low cost credit report or credit scoreThe bill clarifies that the obligation to provide free reports includes credit scores.
Action History
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Introduced in House
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Introduced in House
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Referred to the House Committee on Financial Services.
Sponsors
- Steve Cohen · Primary
Sponsorship breakdown
Export CSV (upgrade) →1 sponsors · 0 co-sponsors · 546 not signed on
Sponsors (1)
- Cohen, Steve Democratic
Co-sponsors (0)
None.
Not signed on (546)
546 members have not signed on to this bill.
Show all 546 →"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.
Subjects
Frequently asked questions
- What does HR 2824 do?
- Fair Access to Credit Scores Act of 2019 This bill requires certain consumer reporting agencies to disclose, upon request, as part of a consumer's free annual disclosure (1) the consumer's current credit score, (2) any other information in the consumer's file regarding risk scores or predictors, and (3) any other consumer information the Consumer Financial Protection Bureau considers appropriate with respect to consumer financial education. Consumer reporting agencies shall maintain such scores or predictors in a consumer's file for at least one year after the data is generated.
- Who sponsors HR 2824?
- HR 2824 is sponsored by Cohen, Steve (Democratic).
- What is the current status of HR 2824?
- This bill died with 116th 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 2824?
- Track HR 2824 free on One Click Politics — get push/email alerts when it moves.
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