Bill SponsorBILLSPONSOR
Bill Sponsor
Politicians
Bills
House Bill 5332
116th Congress(2019-2020)
Protecting Your Credit Score Act of 2020
Active
Amendments
Active
Passed House on Jun 29, 2020
Overview
Text
Introduced
Dec 6, 2019
Latest Action
Jun 30, 2020
Origin Chamber
House
Type
Bill
Bill
The primary form of legislative measure used to propose law. Depending on the chamber of origin, bills begin with a designation of either H.R. or S. Joint resolution is another form of legislative measure used to propose law.
Bill Number
5332
Congress
116
Policy Area
Finance and Financial Sector
Finance and Financial Sector
Primary focus of measure is U.S. banking and financial institutions regulation; consumer credit; bankruptcy and debt collection; financial services and investments; insurance; securities; real estate transactions; currency. Measures concerning financial crimes may fall under Crime and Law Enforcement. Measures concerning business and corporate finance may fall under Commerce policy area. Measures concerning international banking may fall under Foreign Trade and International Finance policy area.
Sponsorship by Party
Democrat
Josh Gottheimer
New Jersey
Republican
Tom Reed
New York
House Votes (2)
Senate Votes (0)
Question
On Passage
Status
Passed
Type
Roll Call Vote
Roll Call Vote
A vote that records the individual position of each Member who voted. Such votes occurring on the House floor (by the "yeas and nays" or by "recorded vote") are taken by electronic device. The Senate has no electronic voting system; in such votes, Senators answer "yea" or "nay" as the clerk calls each name aloud. Each vote is compiled by clerks and receives a roll call number (referenced in Congress.gov as a "Record Vote" [Senate] or "Roll no." [House]).
Roll Call Type
Yea-And-Nay
Roll Number
126
House Roll Call Votes
Summary

Protecting Your Credit Score Act of 2019

This bill revises provisions related to consumer credit reports and credit reporting agencies.

Credit reporting agencies are directed to create a central online portal that allows consumers to (1) access free credit reports and credit scores, (2) dispute errors, and (3) place or lift security freezes.

Consumers will receive a free credit score when requesting a free annual credit report.

The bill establishes a public registry for credit reporting agencies. The bill also provides the Consumer Financial Protection Bureau (CFPB) with statutory authority for supervising credit reporting agencies.

A credit reporting ombudsperson is established at the CFPB, whose responsibilities include resolving persistent errors by credit reporting agencies.

A court may award injunctive relief to compel a credit reporting agency to comply with credit report protections.

Credit reporting agencies must provide available information to consumers regarding the purpose behind the procurement of a credit report.

The bill gives the CFPB the authority to establish data security requirements for credit reporting agencies.

The Government Accountability Office must report on the feasibility of credit reporting agencies replacing Social Security numbers as identifiers with another type of federal identification.

Text (4)
Received in Senate
June 30, 2020
Engrossed in House
June 29, 2020
Reported in House
March 12, 2020
Introduced in House
December 6, 2019
Amendments (1)
Jun 26, 2020
Agreed to in House
0
Sponsorship
House Amendment 818
Pursuant to the provisions of H.Res. 1017 the amendment in the nature of a substitute recommended by the Committee on Financial Services printed in the bill, modified by the amendment printed in Part C of House Report 116-436 is adopted.
Agreed To
Related Bills (1)
Jun 25, 2020
Passed House
1
Sponsorship
House Simple Resolution 1017
Providing for consideration of the bill (H.R. 51) to provide for the admission of the State of Washington, D.C. into the Union; providing for consideration of the bill (H.R. 1425) to amend the Patient Protection and Affordable Care Act to provide for a Improve Health Insurance Affordability Fund to provide for certain reinsurance payments to lower premiums in the individual health insurance market; providing for consideration of the bill (H.R. 5332) to amend the Fair Credit Reporting Act to ensure that consumer reporting agencies are providing fair and accurate information reporting in consumer reports, and for other purposes; providing for consideration of the bill (H.R. 7120) to hold law enforcement accountable for misconduct in court, improve transparency through data collection, and reform police training and policies; providing for consideration of the bill (H.R. 7301) to prevent evictions, foreclosures, and unsafe housing conditions resulting from the COVID-19 pandemic, and for other purposes; providing for consideration of the joint resolution (H.J. Res. 90) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to Community Reinvestment Act Regulations; and for other purposes.
Active
Type
Related Bill
Related Bill
A related bill may be a companion measure, an identical bill, a procedurally-related measure, or one with text similarities. Bill relationships are identified by the House, the Senate, or CRS, and refer only to same-Congress measures.
Identified By
House
Type
Procedurally-Related Measure
Procedurally-Related Measure
Legislation that affects consideration of other legislation (e.g., a rule for consideration, a bill ordered to be reported or passed in lieu of another measure). Identical bills, companion measures, and legislation with text similarities are other related bill types.
Identified By
House
Public Record
Record Updated
Oct 28, 2022 1:46:04 AM
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