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Restoring Unfairly Impaired Credit and Protecting Consumers Act

11/1/2022, 1:50 PM

Congressional Summary of HR 3622

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.

Read the Full Bill

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Current Status of Bill HR 3622

Bill HR 3622 is currently in the status of Bill Introduced since July 5, 2019. Bill HR 3622 was introduced during Congress 116 and was introduced to the House on July 5, 2019.  Bill HR 3622's most recent activity was Placed on the Union Calendar, Calendar No. 287. as of December 23, 2019

Bipartisan Support of Bill HR 3622

Total Number of Sponsors
1
Democrat Sponsors
1
Republican Sponsors
0
Unaffiliated Sponsors
0
Total Number of Cosponsors
0
Democrat Cosponsors
0
Republican Cosponsors
0
Unaffiliated Cosponsors
0

Policy Area and Potential Impact of Bill HR 3622

Primary Policy Focus

Finance and Financial Sector

Potential Impact Areas

- Administrative law and regulatory procedures
- Aging
- Computer security and identity theft
- Consumer Financial Protection Bureau
- 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

Alternate Title(s) of Bill HR 3622

Restoring Unfairly Impaired Credit and Protecting Consumers Act
To amend the Fair Credit Reporting act to restore the impaired credit of victims of predatory activities and unfair consumer reporting practices, to expand access to tools to protect vulnerable consumers from identity theft, fraud, or a related crime, and protect victims from further harm, and for other purposes.
Restoring Unfairly Impaired Credit and Protecting Consumers Act
Restoring Unfairly Impaired Credit and Protecting Consumers Act

Comments

Sponsors and Cosponsors of HR 3622

Rashida Tlaib
Rashida Tlaib
MichiganDemocrat

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