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Fair Access to Credit Scores Act of 2016
Legislative Progress
Momentum (last 30 days)
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0 actions · 0 new cosponsors · 0 votes
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vs 6,526 other HR bills in the 114th — cohort avg 56d
Fair Access to Credit Scores Act of 2016 This bill amends the Fair Credit Reporting Act to require certain consumer reporting agencies to disclose, upon request and without charge, as part of a consumer's free annual disclosure, a current credit score generated using the scoring methodology most frequently used to generate scores sold to creditors, including information regarding other risk scores or predictors in the consumer's file. Those agencies shall also furnish any other consumer information the Consumer Financial Protection Bureau considers appropriate with respect to consumer financial education, including where the consumer's credit score falls with respect to a range of possible credit scores, and the general factors contributing to consumer credit scores. Upon consumer request for a credit score, a consumer reporting agency shall disclose any a credit or risk score in a consumer's file. All consumer reporting agencies shall maintain credit scores or other risk scores or predictors in the consumer's file for at least one year after the data is generated.
These links require the bill number to appear in the filing's source-reported specific issue text. Client expenses and lobbying-firm income are separate disclosure fields.
Filing registrants (1)
2016 · fourth_quarter · Government Issues
Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362, S 2592. Credit Repair Organizations Act - H.R. 347. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R. 4211. CFPB's Consumer complaint database - H.R. 5413, H.R. 5491. Data Security and Breach Notification - H.R.699, H.R. 4715, S 2659. Data Broker Accuracy of Collected Personal Information - H.R. 4516, H.R. 4517. Data Encryption. Military Lending Act and Department of Defense- Employment, Income and Status. Fraud Reduction and Data Analytics Act - S. 1233. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. CFPB - Short-term, small dollar lending. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 4172. Credit Access and Inclusion. Equal Employment for All Act - Use of consumer credit for employment decisions. FCC Lifeline Program. Access to Credit Scores - H.R. 5010, H.R. 5058. Cybersecurity Threat Information Sharing - H.R. 1560. S. 2943 - National Defense Authorization Act. Removal of debt on a consumer credit report. FCRA and permissible purpose. S. 340 - Workforce Innovation and Opportunity Act (WIOA). Improper payments.
Referred to the House Committee on Financial Services.
Introduced in House
Congress.gov source codes: 1000, Intro-H
Bills with similar content found using semantic analysis.
Sources: Congress.gov
Client expense: $250,000 · Firm income: Not reported
Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), SENATE, Social Security Administration (SSA), Treasury, Dept of, U.S. Postal Service (USPS), Veterans Affairs, Dept of (VA)
2016 · third_quarter · Government Issues
Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362, S 2592. Credit Repair Organizations Act - H.R. 347. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R. 4211. CFPB's Consumer complaint database - H.R. 5413, H.R. 5491. Data Security and Breach Notification - H.R.699, H.R. 4715, S 2659. Data Broker Accuracy of Collected Personal Information - H.R. 4516, H.R. 4517. Data Encryption. Military Lending Act and Department of Defense- Employment, Income and Status. Fraud Reduction and Data Analytics Act - S. 1233. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. CFPB - Short-term, small dollar lending. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 4172. Credit Access and Inclusion. Equal Employment for All Act - Use of consumer credit for employment decisions. FCC Lifeline Program. Access to Credit Scores - H.R. 5010, H.R. 5058. Cybersecurity Threat Information Sharing - H.R. 1560.
Client expense: $280,000 · Firm income: Not reported
Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Equal Employment Opportunity Commission (EEOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), SENATE, Social Security Administration (SSA), Treasury, Dept of, U.S. Postal Service (USPS), Veterans Affairs, Dept of (VA)
2016 · second_quarter · Government Issues
Medical debt and credit scores. Medical Debt Relief Act - H.R. 2362, S 2592. Credit Repair Organizations Act - H.R. 347. Alternative scores for Fannie Mae and Freddie Mac - Credit Score Competition Act H.R. 4211. CFPB's Consumer complaint database - H.R. 5413, H.R. 5491. Data Security and Breach Notification - H.R.699, H.R. 4715, S 2659. Data Broker Accuracy of Collected Personal Information - H.R. 4516, H.R. 4517. Data Encryption. Military Lending Act and Department of Defense- Employment, Income and Status. Improper Payments Coordination Act of 2015 - Do Not Pay Initiative - S 1073. Fraud Reduction and Data Analytics Act - S. 1233. CFPB - "Credit Invisibles" and the "unscoreable" - Consumers with a lack of credit history. CFPB - Use of arbitration agreements involving consumer financial products and services. CFPB - Short-term, small dollar lending. FIX Credit Reporting Errors Act - S. 1234. Stop Errors in Credit Use Reporting Act - S.1847. Alternative Credit Data - Telecom, utilities reporting consumer payment information to national credit bureaus. H.R. 3035. Credit Access and Inclusion. Housing Opportunity Through Modernization Act - H.R. 3700. Equal Employment for All Act - Use of consumer credit for employment decisions. FCC Lifeline Program - H.R. 4884. Access to Credit Scores - H.R. 5010, H.R. 5058. Protecting Veterans Credit - H.R. 5593.
Client expense: $280,000 · Firm income: Not reported
Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Equal Employment Opportunity Commission (EEOC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Social Security Administration (SSA), Treasury, Dept of, U.S. Postal Service (USPS), Veterans Affairs, Dept of (VA)
| Democratic |
| MA |
| Peter J. Visclosky | Democratic | IN |
| Raúl M. Grijalva | Democratic | AZ |