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Bill116th CongressFiled Jul 5, 2019Finance and Financial Sector
H.R. 3618

Free Credit Scores for Consumers Act of 2019

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Under committee review

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What it doesSummary reported to house (Nov 21, 2019)

Free Credit Scores for Consumers Act of 2019

This bill requires credit reporting agencies to provide free credit scores to consumers with their free annual consumer reports. The bill also provides for automatic free credit scores and consumer reports in specified circumstances. Credit reporting agencies must provide consumers with additional information regarding the calculation of their credit score.

Specified lenders must give consumers free copies of any consumer reports and credit scores they used for underwriting before consumers sign the respective loan agreements.

What just happenedNov 21, 2019

Placed on the Union Calendar, Calendar No. 247.

Who’s behind it

Rep. Beatty, Joyce [D-OH-3](D-OH)Sponsor
1 cosponsor1 D
Read on Congress.gov
1cosponsors1committees8actions1related bills11subjects
  1. Nov 21, 2019CalendarsH12410

    Placed on the Union Calendar, Calendar No. 247.

  2. Nov 21, 2019CommitteeH12200

    Reported (Amended) by the Committee on Financial Services. H. Rept. 116-306.

    Financial Services Committee
  3. Nov 21, 2019Committee5000

    Reported (Amended) by the Committee on Financial Services. H. Rept. 116-306.

    Financial Services Committee
  4. Jul 11, 2019Committee

    Ordered to be Reported (Amended) by the Yeas and Nays: 32 - 26.

    Financial Services Committee
  5. Jul 11, 2019Committee

    Committee Consideration and Mark-up Session Held.

    Financial Services Committee
  6. Jul 5, 2019IntroReferralH11100

    Referred to the House Committee on Financial Services.

    Financial Services Committee
  7. Jul 5, 2019IntroReferralIntro-H

    Introduced in House

  8. Jul 5, 2019IntroReferral1000

    Introduced in House

Reported to HouseNov 21, 20197

Free Credit Scores for Consumers Act of 2019

This bill requires credit reporting agencies to provide free credit scores to consumers with their free annual consumer reports. The bill also provides for automatic free credit scores and consumer reports in specified circumstances. Credit reporting agencies must provide consumers with additional information regarding the calculation of their credit score.

Specified lenders must give consumers free copies of any consumer reports and credit scores they used for underwriting before consumers sign the respective loan agreements.

Introduced in HouseJul 5, 2019

Free Credit Scores for Consumers Act of 2019

This bill requires credit reporting agencies to provide free credit scores to consumers with their free annual consumer reports. The bill also provides for automatic free credit scores and consumer reports in specified circumstances. Credit reporting agencies must provide consumers with additional information regarding the calculation of their credit score.

Specified lenders must give consumers free copies of any consumer reports and credit scores they used for underwriting before consumers sign the respective loan agreements.

Free Credit Scores for Consumers Act of 2019 — Informed