HR-3622 : Still Just a Bill

Restoring Unfairly Impaired Credit and Protecting Consumers Act

This bill revises requirements regarding consumer credit information included by a consumer reporting agency on a credit report, including by

  • requiring removal of adverse information that resulted from specified fraudulent lending activity,
  • shortening the time period adverse information stays on reports, and
  • limiting the inclusion of certain medical debt on reports.

The bill also requires a consumer reporting agency to provide free credit monitoring and identity theft protection services to certain consumers, including victims of fraud, active duty military, and those 65 years of age and older.

Action Timeline

Action DateTypeTextSource
2019-12-23CalendarsPlaced on the Union Calendar, Calendar No. 287.House floor actions
2019-12-23CommitteeReported (Amended) by the Committee on Financial Services. H. Rept. 116-362.House floor actions
2019-07-11CommitteeOrdered to be Reported (Amended) by the Yeas and Nays: 32 - 26.House committee actions
2019-07-11CommitteeCommittee Consideration and Mark-up Session Held.House committee actions
2019-07-05IntroReferralReferred to the House Committee on Financial Services.House floor actions
2019-07-05IntroReferralIntroduced in HouseLibrary of Congress

Sponsor :

Rashida Tlaib [D] (MI-13)
See Cosponsors

Policy Area :

Finance and Financial Sector
Related Subjects
  • Administrative law and regulatory procedures
  • Aging
  • Computer security and identity theft
  • Consumer affairs
  • Consumer credit
  • Contracts and agency
  • Crime victims
  • Debt collection
  • Fraud offenses and financial crimes
  • Government information and archives
  • Health care costs and insurance
  • Higher education
  • Housing finance and home ownership
  • Military personnel and dependents
  • Student aid and college costs
Related Geographic Entities
Related Organizations
  • Consumer Financial Protection Bureau

Related Bills

See Related Bills