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.
| Action Date | Type | Text | Source |
|---|---|---|---|
| 2020-06-30 | IntroReferral | Received in the Senate. | Senate |
| 2020-06-29 | Floor | Motion to reconsider laid on the table Agreed to without objection. | House floor actions |
| 2020-06-29 | Vote | On passage Passed by the Yeas and Nays: 234 - 179 (Roll no. 126). (text: 06/26/2020 CR H2559-2561) | House floor actions |
| 2020-06-29 | Vote | On motion to recommit with instructions Failed by the Yeas and Nays: 184 - 228 (Roll no. 125). | House floor actions |
| 2020-06-29 | Floor | Considered as unfinished business. (consideration: CR H2665-2667) | House floor actions |
| 2020-06-29 | Floor | POSTPONED PROCEEDINGS - At the conclusion of debate on the motion to recommit with instructions, the Chair put the question on the motion and by voice vote, announced that the noes had prevailed. Mr. Riggleman demanded the yeas and nays and the Chair postponed further consideration on the motion to recommit until a time to be announced. | House floor actions |
| 2020-06-29 | Floor | The previous question on the motion to recommit with instructions was ordered without objection. | House floor actions |
| 2020-06-29 | Floor | DEBATE - The House proceeded with 10 minutes of debate on the Riggleman motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment to strike section 3 from the bill and insert a new section prohibiting the use of social security numbers. | House floor actions |
| 2020-06-29 | Floor | Mr. Riggleman moved to recommit with instructions to the Committee on Financial Services. (text: CR H2663) | House floor actions |
| 2020-06-29 | Floor | Considered as unfinished business. (consideration: CR H2663-2664) | House floor actions |
| 2020-06-26 | Floor | POSTPONED PROCEEDINGS - Pursuant to clause 1(c) of Rule XIX, further proceedings on H.R. 5332 were postponed. | House floor actions |
| 2020-06-26 | Floor | The previous question was ordered pursuant to the rule. | House floor actions |
| 2020-06-26 | Floor | DEBATE - The House proceeded with one hour of debate on H.R. 5332. | House floor actions |
| 2020-06-26 | Floor | Rule provides for consideration of H.R. 1425, H.R. 5332, H.R. 7120, H.R. 7301 and H.J. Res. 90. The resolution provides that the provisions of section 125(c) of the Uruguay Round Agreements Act shall not apply during the remainder of the 116th Congress and the resolution amends H.Res. 967, agreed to on May 15, 2020. | House floor actions |
| 2020-06-26 | Floor | Considered under the provisions of rule H. Res. 1017. (consideration: CR H2559-2571) | House floor actions |
| 2020-06-24 | Floor | Rules Committee Resolution H. Res. 1017 Reported to House. Rule provides for consideration of H.R. 1425, H.R. 5332, H.R. 7120, H.R. 7301 and H.J. Res. 90. The resolution provides that the provisions of section 125(c) of the Uruguay Round Agreements Act shall not apply during the remainder of the 116th Congress and the resolution amends H.Res. 967, agreed to on May 15, 2020. | House floor actions |
| 2020-03-12 | Calendars | Placed on the Union Calendar, Calendar No. 335. | House floor actions |
| 2020-03-12 | Committee | Reported (Amended) by the Committee on Financial Services. H. Rept. 116-416. | House floor actions |
| 2019-12-11 | Committee | Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 24. | House committee actions |
| 2019-12-11 | Committee | Committee Consideration and Mark-up Session Held. | House committee actions |
| 2019-12-10 | Committee | Committee Consideration and Mark-up Session Held. | House committee actions |
| 2019-12-06 | IntroReferral | Referred to the House Committee on Financial Services. | House floor actions |
| 2019-12-06 | IntroReferral | Introduced in House | Library of Congress |