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H.R. 4112

Clarity in Credit Score Formation Act of 2021

Clarity in Credit Score Formation Act of 2021

This bill requires the Consumer Financial Protection Bureau (CFPB) to regulate credit score models by establishing standards for validating the accuracy and predictive value of these models. The bill also gives the CFPB the authority to prohibit the use of certain factors in credit score models.

The CFPB must report on the impact of the inclusion of nontraditional data in these models.

Referred to the House Committee on Financial Services.

Rep. Lynch, Stephen F. [D-MA-8](D-MA)Sponsor
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Clarity in Credit Score Formation Act of 2021 — Informed