DENNIS AMBACH

Amending the Fair Credit Reporting Act (FCRA) related to credit repair activity and state workforce. H.R. 3621, Comprehensive CREDIT Act of 2020; issues pertaining to credit reporting H.R. 748, CARES Act; issues pertaining to credit reporting S.3508, Disaster Protection for Workers' Credit Act of 2020; issues pertaining to credit reporting S. 1829/H.R. 4231, Credit Access and Inclusion Act; issues pertaining to alternative data

H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting

Public Law No: 116-136, Coronavirus Aid, Relief, and Economic Security Act (CARES Act) implimentation related to EIP Stimulus Payments. H.R. 5332, Protecting Your Credit Score Act of 2019; all provisions. H.R. 6800, HEROES Act; provisions related to credit reporting, suppression/deletion. H.R. 925, HEROES Act (amended). Issues related to credit reporting; all provisions.

H.R. 5332, Protecting Your Credit Score Act of 2020; all provisions related to banking H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act); Sec. 110401 H.R. 748, Coronavirus Aid, Relief, and Economic Security Act (CARES Act); Secs. 4021-4024 S. 3508, Disaster Protection for Workers' Credit Act of 2020; all provisions H.R. 6321, Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act; Sec. 112 H.R. 6370, Disaster Protection for Workers' Credit Act; All Sections Data and Accountability Transparency Act of 2020; All Sections H.R. 6451, Fair Coronavirus Credit Reporting Act of 2020; All sections pertaining to medical debt

H.R. 5332, Protecting Your Credit Score Act of 2020; all provisions related to banking H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act); Sec. 110401 H.R. 748, Coronavirus Aid, Relief, and Economic Security Act (CARES Act); Secs. 4021-4024 S. 3508, Disaster Protection for Workers' Credit Act of 2020; all provisions H.R. 6321, Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act; Sec. 112 H.R. 6370, Disaster Protection for Workers' Credit Act; All Sections Data and Accountability Transparency Act of 2020; All Sections H.R. 6451, Fair Coronavirus Credit Reporting Act of 2020; All sections pertaining to medical debt

H.R. 5332, Protecting Your Credit Score Act of 2020; all provisions related to banking H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act); Sec. 110401 H.R. 748, Coronavirus Aid, Relief, and Economic Security Act (CARES Act); Secs. 4021-4024 S. 3508, Disaster Protection for Workers' Credit Act of 2020; all provisions H.R. 6321, Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act; Sec. 112 H.R. 6370, Disaster Protection for Workers' Credit Act; All Sections Data and Accountability Transparency Act of 2020; All Sections H.R. 6451, Fair Coronavirus Credit Reporting Act of 2020; All sections pertaining to medical debt

H.R. 6370, Disaster Protection for Workers Credit Act; all provisons.

H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting

H.R. 6395, Fiscal Year 2021 National Defense Authorization Act; provisions related to active duty credit monitoring and private student loans.

H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting

H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting

H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting

H.R. 5332, Protecting Your Credit Score Act of 2020; all provisions related to banking H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act); Sec. 110401 H.R. 748, Coronavirus Aid, Relief, and Economic Security Act (CARES Act); Secs. 4021-4024 S. 3508, Disaster Protection for Workers' Credit Act of 2020; all provisions H.R. 6321, Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act; Sec. 112 H.R. 6370, Disaster Protection for Workers' Credit Act; All Sections Data and Accountability Transparency Act of 2020; All Sections H.R. 6451, Fair Coronavirus Credit Reporting Act of 2020; All sections pertaining to medical debt

H.R. 6470, Medical Debt Relief Act of 2020; all provisions. S. 4037, Patient Credit Protection Act; all provisions.

H.R. 5332, Protecting Your Credit Score Act of 2020; all provisions related to banking H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act); Sec. 110401 H.R. 748, Coronavirus Aid, Relief, and Economic Security Act (CARES Act); Secs. 4021-4024 S. 3508, Disaster Protection for Workers' Credit Act of 2020; all provisions H.R. 6321, Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act; Sec. 112 H.R. 6370, Disaster Protection for Workers' Credit Act; All Sections Data and Accountability Transparency Act of 2020; All Sections H.R. 6451, Fair Coronavirus Credit Reporting Act of 2020; All sections pertaining to medical debt

Public Law No: 116-136, Coronavirus Aid, Relief, and Economic Security Act (CARES Act) implimentation related to EIP Stimulus Payments. H.R. 5332, Protecting Your Credit Score Act of 2019; all provisions. H.R. 6800, HEROES Act; provisions related to credit reporting, suppression/deletion. H.R. 925, HEROES Act (amended). Issues related to credit reporting; all provisions.

H.R. 5332, Protecting Your Credit Score Act of 2020; all provisions related to banking H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act); Sec. 110401 H.R. 748, Coronavirus Aid, Relief, and Economic Security Act (CARES Act); Secs. 4021-4024 S. 3508, Disaster Protection for Workers' Credit Act of 2020; all provisions H.R. 6321, Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act; Sec. 112 H.R. 6370, Disaster Protection for Workers' Credit Act; All Sections Data and Accountability Transparency Act of 2020; All Sections H.R. 6451, Fair Coronavirus Credit Reporting Act of 2020; All sections pertaining to medical debt

Amending the Fair Credit Reporting Act (FCRA) related to credit repair activity and state workforce. H.R. 3621, Comprehensive CREDIT Act of 2020; issues pertaining to credit reporting H.R. 748, CARES Act; issues pertaining to credit reporting S.3508, Disaster Protection for Workers' Credit Act of 2020; issues pertaining to credit reporting S. 1829/H.R. 4231, Credit Access and Inclusion Act; issues pertaining to alternative data

H.R. 8215; Improving Digital Identity Act of 2020; Provisions relating to identity verification

H.R. 8215, Improving Digital Identity Act of 2020; all provisions. S. 4133, REAL ID Modernization Act; all provisions. S. 4159, E-SIGN Modernization Act of 2020; all provisions. Consumer privacy

H.R. 8215; Improving Digital Identity Act of 2020; Provisions relating to identity verification

Public Law No: 116-136, Coronavirus Aid, Relief, and Economic Security Act (CARES Act) implimentation related to EIP Stimulus Payments. H.R. 5332, Protecting Your Credit Score Act of 2019; all provisions. H.R. 6800, HEROES Act; provisions related to credit reporting, suppression/deletion. H.R. 925, HEROES Act (amended). Issues related to credit reporting; all provisions.

H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting

H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting

Amending the Fair Credit Reporting Act (FCRA) related to credit repair activity and state workforce. H.R. 3621, Comprehensive CREDIT Act of 2020; issues pertaining to credit reporting H.R. 748, CARES Act; issues pertaining to credit reporting S.3508, Disaster Protection for Workers' Credit Act of 2020; issues pertaining to credit reporting S. 1829/H.R. 4231, Credit Access and Inclusion Act; issues pertaining to alternative data

H.R. 5332, Protecting Your Credit Score Act of 2020; all provisions related to banking H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions Act (HEROES Act); Sec. 110401 H.R. 748, Coronavirus Aid, Relief, and Economic Security Act (CARES Act); Secs. 4021-4024 S. 3508, Disaster Protection for Workers' Credit Act of 2020; all provisions H.R. 6321, Financial Protections and Assistance for Americas Consumers, States, Businesses, and Vulnerable Populations Act; Sec. 112 H.R. 6370, Disaster Protection for Workers' Credit Act; All Sections Data and Accountability Transparency Act of 2020; All Sections H.R. 6451, Fair Coronavirus Credit Reporting Act of 2020; All sections pertaining to medical debt

Amending the Fair Credit Reporting Act (FCRA) related to credit repair activity and state workforce. H.R. 3621, Comprehensive CREDIT Act of 2020; issues pertaining to credit reporting H.R. 748, CARES Act; issues pertaining to credit reporting S.3508, Disaster Protection for Workers' Credit Act of 2020; issues pertaining to credit reporting S. 1829/H.R. 4231, Credit Access and Inclusion Act; issues pertaining to alternative data

H.R. 6470, Medical Debt Relief Act of 2020; all provisions. S. 4037, Patient Credit Protection Act; all provisions.

H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting

H.R.6395, H.R.6396 / S. 4049; National Defense Authorization Act for Fiscal Year 2021; Provisions relating to consumer finance H.R. 4231 / S. 1828; Credit Access and Inclusion Act; all provisions H.R. 133; Consolidated Appropriations Act, 2021; Provisions relating to credit reporting

H.R. 8215, Improving Digital Identity Act of 2020; all provisions. S. 4133, REAL ID Modernization Act; all provisions. S. 4159, E-SIGN Modernization Act of 2020; all provisions. Consumer privacy

H.R. 8215, Improving Digital Identity Act of 2020; all provisions. S. 4133, REAL ID Modernization Act; all provisions. S. 4159, E-SIGN Modernization Act of 2020; all provisions. Consumer privacy

Legislation related to HHS creating a unique patient identifier including H.R. 1865.

Legislative proposals creating a national standard on consumer data privacy and security including H.R. 2013, S. 2968, and H.R. 4978.

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

**Supported S. 1848, Credit Access & Inclusion Act, to facilitate more reporting of data to consumer reporting agencies under the Fair Credit Reporting Act. **Opposed H.R. 3629, Clarity in Credit Score Formation Act, granting CFPB authority over credit score models. **Opposed H.R. 3621, Student Borrower Credit Improvement Act, enabling private loan adverse information removal from credit reports. **Opposed H.R. 3614, Restricting Use of Credit Checks for Employment Decisions Act, banning the use of credit information for employment decisions in most cases. **Opposed H.R. 3618, Free Credit Scores for Consumers Act, requiring consumer reporting agencies to give free credit scores. **Opposed H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act, shortening the amount of time negative information stays on a credit file (among other things). **Opposed H.R. 3642, Improving Credit Reporting for All Consumers Act, rewriting consumer dispute resolution process under the FCRA. **Reviewed legislative discussion drafts amending the FCRA. **Reviewed H.R. 3821 amending the FCRA.

**Supported S. 1848, Credit Access & Inclusion Act, to facilitate more reporting of data to consumer reporting agencies under the Fair Credit Reporting Act. **Opposed H.R. 3629, Clarity in Credit Score Formation Act, granting CFPB authority over credit score models. **Opposed H.R. 3621, Student Borrower Credit Improvement Act, enabling private loan adverse information removal from credit reports. **Opposed H.R. 3614, Restricting Use of Credit Checks for Employment Decisions Act, banning the use of credit information for employment decisions in most cases. **Opposed H.R. 3618, Free Credit Scores for Consumers Act, requiring consumer reporting agencies to give free credit scores. **Opposed H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act, shortening the amount of time negative information stays on a credit file (among other things). **Opposed H.R. 3642, Improving Credit Reporting for All Consumers Act, rewriting consumer dispute resolution process under the FCRA. **Reviewed legislative discussion drafts amending the FCRA. **Reviewed H.R. 3821 amending the FCRA.

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

**Supported S. 1848, Credit Access & Inclusion Act, to facilitate more reporting of data to consumer reporting agencies under the Fair Credit Reporting Act. **Opposed H.R. 3629, Clarity in Credit Score Formation Act, granting CFPB authority over credit score models. **Opposed H.R. 3621, Student Borrower Credit Improvement Act, enabling private loan adverse information removal from credit reports. **Opposed H.R. 3614, Restricting Use of Credit Checks for Employment Decisions Act, banning the use of credit information for employment decisions in most cases. **Opposed H.R. 3618, Free Credit Scores for Consumers Act, requiring consumer reporting agencies to give free credit scores. **Opposed H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act, shortening the amount of time negative information stays on a credit file (among other things). **Opposed H.R. 3642, Improving Credit Reporting for All Consumers Act, rewriting consumer dispute resolution process under the FCRA. **Reviewed legislative discussion drafts amending the FCRA. **Reviewed H.R. 3821 amending the FCRA.

**Supported S. 1848, Credit Access & Inclusion Act, to facilitate more reporting of data to consumer reporting agencies under the Fair Credit Reporting Act. **Opposed H.R. 3629, Clarity in Credit Score Formation Act, granting CFPB authority over credit score models. **Opposed H.R. 3621, Student Borrower Credit Improvement Act, enabling private loan adverse information removal from credit reports. **Opposed H.R. 3614, Restricting Use of Credit Checks for Employment Decisions Act, banning the use of credit information for employment decisions in most cases. **Opposed H.R. 3618, Free Credit Scores for Consumers Act, requiring consumer reporting agencies to give free credit scores. **Opposed H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act, shortening the amount of time negative information stays on a credit file (among other things). **Opposed H.R. 3642, Improving Credit Reporting for All Consumers Act, rewriting consumer dispute resolution process under the FCRA. **Reviewed legislative discussion drafts amending the FCRA. **Reviewed H.R. 3821 amending the FCRA.

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

**Supported S. 1848, Credit Access & Inclusion Act, to facilitate more reporting of data to consumer reporting agencies under the Fair Credit Reporting Act. **Opposed H.R. 3629, Clarity in Credit Score Formation Act, granting CFPB authority over credit score models. **Opposed H.R. 3621, Student Borrower Credit Improvement Act, enabling private loan adverse information removal from credit reports. **Opposed H.R. 3614, Restricting Use of Credit Checks for Employment Decisions Act, banning the use of credit information for employment decisions in most cases. **Opposed H.R. 3618, Free Credit Scores for Consumers Act, requiring consumer reporting agencies to give free credit scores. **Opposed H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act, shortening the amount of time negative information stays on a credit file (among other things). **Opposed H.R. 3642, Improving Credit Reporting for All Consumers Act, rewriting consumer dispute resolution process under the FCRA. **Reviewed legislative discussion drafts amending the FCRA. **Reviewed H.R. 3821 amending the FCRA.

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

**Supported S. 1848, Credit Access & Inclusion Act, to facilitate more reporting of data to consumer reporting agencies under the Fair Credit Reporting Act. **Opposed H.R. 3629, Clarity in Credit Score Formation Act, granting CFPB authority over credit score models. **Opposed H.R. 3621, Student Borrower Credit Improvement Act, enabling private loan adverse information removal from credit reports. **Opposed H.R. 3614, Restricting Use of Credit Checks for Employment Decisions Act, banning the use of credit information for employment decisions in most cases. **Opposed H.R. 3618, Free Credit Scores for Consumers Act, requiring consumer reporting agencies to give free credit scores. **Opposed H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act, shortening the amount of time negative information stays on a credit file (among other things). **Opposed H.R. 3642, Improving Credit Reporting for All Consumers Act, rewriting consumer dispute resolution process under the FCRA. **Reviewed legislative discussion drafts amending the FCRA. **Reviewed H.R. 3821 amending the FCRA.

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

**Supported S. 1848, Credit Access & Inclusion Act, to facilitate more reporting of data to consumer reporting agencies under the Fair Credit Reporting Act. **Opposed H.R. 3629, Clarity in Credit Score Formation Act, granting CFPB authority over credit score models. **Opposed H.R. 3621, Student Borrower Credit Improvement Act, enabling private loan adverse information removal from credit reports. **Opposed H.R. 3614, Restricting Use of Credit Checks for Employment Decisions Act, banning the use of credit information for employment decisions in most cases. **Opposed H.R. 3618, Free Credit Scores for Consumers Act, requiring consumer reporting agencies to give free credit scores. **Opposed H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act, shortening the amount of time negative information stays on a credit file (among other things). **Opposed H.R. 3642, Improving Credit Reporting for All Consumers Act, rewriting consumer dispute resolution process under the FCRA. **Reviewed legislative discussion drafts amending the FCRA. **Reviewed H.R. 3821 amending the FCRA.

Legislative proposals creating a national standard on consumer data privacy and security including H.R. 2013, S. 2968, and H.R. 4978.

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

--Issues related to amendments to the Fair Credit Reporting Act -- Supported H.R. 799, Federal Worker Credit Protection Act

Legislation related to credit reporting, scoring and data security including H.R. 5332, H.R. 5330, S. 1828, H.R. 3629, H.R. 3621, H.R. 3614, H.R. 3618, H.R. 3622, and H.R. 3642.

**Supported S. 1848, Credit Access & Inclusion Act, to facilitate more reporting of data to consumer reporting agencies under the Fair Credit Reporting Act. **Opposed H.R. 3629, Clarity in Credit Score Formation Act, granting CFPB authority over credit score models. **Opposed H.R. 3621, Student Borrower Credit Improvement Act, enabling private loan adverse information removal from credit reports. **Opposed H.R. 3614, Restricting Use of Credit Checks for Employment Decisions Act, banning the use of credit information for employment decisions in most cases. **Opposed H.R. 3618, Free Credit Scores for Consumers Act, requiring consumer reporting agencies to give free credit scores. **Opposed H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act, shortening the amount of time negative information stays on a credit file (among other things). **Opposed H.R. 3642, Improving Credit Reporting for All Consumers Act, rewriting consumer dispute resolution process under the FCRA. **Reviewed legislative discussion drafts amending the FCRA. **Reviewed H.R. 3821 amending the FCRA.

Legislative proposals creating a national standard on consumer data privacy and security including H.R. 2013, S. 2968, and H.R. 4978.

*Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze (Sec. 301), protect veterans credit (Sec. 302) and credit monitoring (Sec. 302) provisions in the Fair Credit Reporting Act. *Supported HR 435 & HR 5078, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.

*Supported HR 435 & S. 3040, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.

*Supported HR 435 & S. 3040, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.

*Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze (Sec. 301), protect veterans credit (Sec. 302) and credit monitoring (Sec. 302) provisions in the Fair Credit Reporting Act. *Supported HR 435 & S. 3040, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.

*Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze (Sec. 301), protect veterans credit (Sec. 302) and credit monitoring (Sec. 302) provisions in the Fair Credit Reporting Act. *Supported HR 435 & HR 5078, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.

*Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze (Sec. 301), protect veterans credit (Sec. 302) and credit monitoring (Sec. 302) provisions in the Fair Credit Reporting Act. *Supported HR 435 & S. 3040, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.

*Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze (Sec. 301), protect veterans credit (Sec. 302) and credit monitoring (Sec. 302) provisions in the Fair Credit Reporting Act. *Supported HR 435 & HR 5078, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.

*Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze (Sec. 301), protect veterans credit (Sec. 302) and credit monitoring (Sec. 302) provisions in the Fair Credit Reporting Act. *Supported HR 435 & S. 3040, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.

*Supported HR 435 & S. 3040, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.

*Supported HR 435 & S. 3040, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers.

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Opposed Rep. Smucker Amendment to H.R. 10, Financial Choice Act, which expressed the Sense of the Congress that consumer reporting agencies employ multi-factor authentication when contacted by consumers.

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions.

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Opposed Rep. Smucker Amendment to H.R. 10, Financial Choice Act, which expressed the Sense of the Congress that consumer reporting agencies employ multi-factor authentication when contacted by consumers.

*Supported H.R. 898/S. 1685, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze, veterans medical debt and credit monitoring provisions in the Fair Credit Reporting Act.

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Opposed Rep. Smucker Amendment to H.R. 10, Financial Choice Act, which expressed the Sense of the Congress that consumer reporting agencies employ multi-factor authentication when contacted by consumers.

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions.

*Supported H.R. 898/S. 1685, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze, veterans medical debt and credit monitoring provisions in the Fair Credit Reporting Act.

*Supported legislative proposal adding a cap to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed S. 744, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) seeking to exempt nationwide consumer reporting agencies from certain provision in the law. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Reviewed Tester Amendment adopted to S. 3067, FY '17 Financial Services and General Government Appropriations bill adding an active duty file freeze alert to the Fair Credit Reporting Act (FCRA).

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Opposed Rep. Smucker Amendment to H.R. 10, Financial Choice Act, which expressed the Sense of the Congress that consumer reporting agencies employ multi-factor authentication when contacted by consumers.

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions.

*Supported legislative proposal adding a cap to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed S. 744, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) seeking to exempt nationwide consumer reporting agencies from certain provision in the law. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Reviewed Tester Amendment adopted to S. 3067, FY '17 Financial Services and General Government Appropriations bill adding an active duty file freeze alert to the Fair Credit Reporting Act (FCRA).

*Supported H.R. 898/S. 1685, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze, veterans medical debt and credit monitoring provisions in the Fair Credit Reporting Act.

*Supported legislative proposal adding a cap to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed S. 744, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) seeking to exempt nationwide consumer reporting agencies from certain provision in the law. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Reviewed Tester Amendment adopted to S. 3067, FY '17 Financial Services and General Government Appropriations bill adding an active duty file freeze alert to the Fair Credit Reporting Act (FCRA).

*Supported H.R. 898/S. 1685, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze, veterans medical debt and credit monitoring provisions in the Fair Credit Reporting Act.

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions.

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Opposed Rep. Smucker Amendment to H.R. 10, Financial Choice Act, which expressed the Sense of the Congress that consumer reporting agencies employ multi-factor authentication when contacted by consumers.

*Supported legislative proposal adding a cap to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed S. 744, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) seeking to exempt nationwide consumer reporting agencies from certain provision in the law. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Reviewed Tester Amendment adopted to S. 3067, FY '17 Financial Services and General Government Appropriations bill adding an active duty file freeze alert to the Fair Credit Reporting Act (FCRA).

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Opposed Rep. Smucker Amendment to H.R. 10, Financial Choice Act, which expressed the Sense of the Congress that consumer reporting agencies employ multi-factor authentication when contacted by consumers.

*Supported legislative proposal adding a cap to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed S. 744, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) seeking to exempt nationwide consumer reporting agencies from certain provision in the law. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Reviewed Tester Amendment adopted to S. 3067, FY '17 Financial Services and General Government Appropriations bill adding an active duty file freeze alert to the Fair Credit Reporting Act (FCRA).

*Supported H.R. 898/S. 1685, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze, veterans medical debt and credit monitoring provisions in the Fair Credit Reporting Act.

*Supported H.R. 2359 which proposes to add guidelines to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) by allowing companies to attest to the Federal Trade Commission they are not acting as a credit repair entity for the purpose of providing credit educational solutions.

*Supported legislative proposal adding a cap to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed S. 744, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) seeking to exempt nationwide consumer reporting agencies from certain provision in the law. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Reviewed Tester Amendment adopted to S. 3067, FY '17 Financial Services and General Government Appropriations bill adding an active duty file freeze alert to the Fair Credit Reporting Act (FCRA).

*Supported H.R. 898/S. 1685, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Opposed S. 744/H.R. 2683, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed S. 2155, Economic Growth, Regulatory Relief and Consumer Protection Act, which proposed to add a credit freeze, veterans medical debt and credit monitoring provisions in the Fair Credit Reporting Act.

*Supported legislative proposal adding a cap to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed S. 744, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) seeking to exempt nationwide consumer reporting agencies from certain provision in the law. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Reviewed Tester Amendment adopted to S. 3067, FY '17 Financial Services and General Government Appropriations bill adding an active duty file freeze alert to the Fair Credit Reporting Act (FCRA).

*Supported legislative proposal adding a cap to class action awards under the Fair Credit Report Act (FCRA). *Supported H.R. 898, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported HR 435, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed S. 744, Protecting Veterans Credit Act, which would prohibit credit bureaus from reporting medical debt arising from the Veterans Choice program. *Reviewed legislative proposal to reform the Credit Repair Organizations Act (CROA) seeking to exempt nationwide consumer reporting agencies from certain provision in the law. *Reviewed legislative proposal to prevent synthetic identity theft by allow nationwide consumer reporting agencies to verify social security numbers directly with the Social Security Administration. *Reviewed Tester Amendment adopted to S. 3067, FY '17 Financial Services and General Government Appropriations bill adding an active duty file freeze alert to the Fair Credit Reporting Act (FCRA).

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.

*Supported H.R. 4211, the Credit Score Competition Act of 2015, that would require Government Sponsored Enterprises (GSEs) to adopt more than one credit scoring model for mortgage finance underwriting. *Supported S. 2355, the Credit Access and Inclusion Act, to amend to Fair Credit Reporting Act (FCRA)to remove impediments found in state or local laws which restrict full file reporting to consumer reporting agencies by such non-traditional information furnishers as energy and telecommunications utilities and other service providers. *Reviewed H.R. 2592, Medical Debt Relief Act, which would prohibit credit bureaus from using paid or settled medical debt with calculating a consumer's creditworthiness. *Reviewed H.R. 347, the Facilitating Access to Credit Act of 2015 to reform the Credit Repair Organizations Act (CROA) exempting nationwide consumer reporting agencies from certain provision in the law.