Consumer Credit
US Congress 115th Congress
Justice for Victims of Fraud Act of 2017 [HB-1414]
Justice for Victims of Fraud Act of 2017 This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.
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Sponsored by: Rep. Sean Maloney
Introduced In House on 03/07/2017
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Stop Foreign Donations Affecting Our Elections Act [HB-1341]
Stop Foreign Donations Affecting Our Elections Act This bill amends the Federal Election Campaign Act of 1971 to prohibit political committees from accepting any Internet credit card contribution unless: the individual or entity making the contribution is required, at the time of the contribution, to disclose the credit card's verification value; and the billing address associated with the card is located in the United States or, if the contribution comes from an individual U.S. citizen living outside of the United States, the individual gives the
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Sponsored by: Rep. Barbara Comstock
Introduced In House on 03/02/2017
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Protect Children from Theft Act of 2017 [HB-1345]
Protect Children from Theft Act of 2017 This bill amends the Fair Credit Reporting Act to require a consumer reporting agency, upon request by the legal guardian or custodian of a minor consumer, to either create a blocked credit report for the minor or convert the minor's existing report to blocked status. With respect to a minor's blocked report, a consumer reporting agency: (1) must block the input of any information, except with permission from the minor's legal guardian or custodian; and (2) may not provide any person with a consumer report
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Sponsored by: Rep. James Langevin
Introduced In House on 03/02/2017
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Unsubscribe Act of 2017 [HB-1097]
Unsubscribe Act of 2017 This bill prohibits a negative option agreement from being entered on the Internet with consumers unless it provides the consumers a mechanism to cancel in the same manner, and by the same means, in which the agreement was entered. The bill defines a "negative option agreement" as: an automatic renewal contract that is automatically renewed after an initial fixed period, unless the consumer instructs otherwise; a continuity plan contract under which the consumer agrees to incur charges in exchange for periodic shipments of
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Sponsored by: Rep. Henry Johnson
Referred To The Subcommittee On Digital Commerce And Consumer Protection. on 02/17/2017
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Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. [HJR-73]
Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. This joint resolution nullifies the rule finalized by the Consumer Financial Protection Bureau on November 22, 2016, relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. The rule establishes various consumer protections with respect to prepaid accounts.
Sponsored by: Rep. Alexander Mooney
Introduced In House on 02/14/2017
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Repeal CFPB Act [S.370]
Repeal CFPB Act This bill repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau.
Sponsored by: Sen. Mike Lee
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 02/14/2017
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To eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. [HB-1031]
To eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. This bill repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau.
Sponsored by: Rep. Alexander Mooney
Introduced In House on 02/14/2017
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A bill to amend the Consumer Financial Protection Act of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau of Consumer Financial Protection, and for other purposes. [S.365]
A bill to amend the Consumer Financial Protection Act of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau of Consumer Financial Protection, and for other purposes. This bill amends the Consumer Financial Protection Act of 2010 to eliminate funding for the Consumer Financial Protection Bureau (CFPB). Under current law, amounts from civil penalties obtained by the CFPB must be used for payments to the victims of the activities for which the civil penalties were
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Sponsored by: Sen. Mike Rounds
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 02/13/2017
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CFPB Constitutional Reform Act of 2017 [HB-1018]
CFPB Constitutional Reform Act of 2017 This bill amends the Consumer Financial Protection Act of 2010 to revise the leadership structure of the Consumer Financial Protection Bureau (CFPB). Specifically, the bill replaces the CFPB's director and deputy director with a five-person commission.
Sponsored by: Rep. John Duncan
Introduced In House on 02/13/2017
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Credit Score Competition Act of 2017 [HB-898]
Credit Score Competition Act of 2017 This bill amends the Federal National Mortgage Association Charter Act and the Federal Home Loan Mortgage Corporation Act to allow the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), when determining whether to purchase a residential mortgage, to consider a borrower's credit score only if certain procedural requirements are met with respect to the validation and approval of credit-scoring models. The Federal Housing Finance Agency may, by regulation,
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Sponsored by: Rep. Alexander Mooney
Introduced In House on 02/07/2017
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FIX Act FIX Credit Reporting Errors Act [S.314]
FIX Act FIX Credit Reporting Errors Act This bill amends the Fair Credit Reporting Act with respect to the procedures followed by consumer reporting agencies when a consumer disputes the completeness or accuracy of information contained in the consumer's credit report. Consumer reporting agencies are required to: (1) include all documentation provided by the consumer in the dispute notification furnished to any person who provided disputed information, and (2) consider such consumer documentation when conducting reinvestigations of disputed information.
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Sponsored by: Sen. Amy Klobuchar
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 02/06/2017
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Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. [HJR-62]
Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. This joint resolution nullifies the rule finalized by the Consumer Financial Protection Bureau on November 22, 2016, relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. The rule establishes various consumer protections with respect to prepaid accounts.
Sponsored by: Rep. Tom Graves
Introduced In House on 02/03/2017
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Arbitration Transparency Act of 2017 [HB-832]
Arbitration Transparency Act of 2017 This bill specifies that an arbitration proceeding between a consumer and a financial institution, in a dispute involving a consumer financial product or service, must be open to the public.
Sponsored by: Rep. Michael Capuano
Referred To The Subcommittee On Regulatory Reform, Commercial And Antitrust Law. on 03/02/2017
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A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. [SJR-19]
A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. This joint resolution nullifies the rule finalized by the Consumer Financial Protection Bureau on November 22, 2016, relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. The rule establishes various consumer protections with respect
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Sponsored by: Sen. Mike Lee
Senate Committee On Banking, Housing, And Urban Affairs Discharged By Petition Pursuant To 5 U.s.c. 802(c). (consideration: Cr S2149; Text: Cr2149) on 03/30/2017
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Ability to Repay Verification Enabling Act [HB-759]
Ability to Repay Verification Enabling Act This bill prohibits the Department of Labor from enforcing any requirement that a third-party consumer-reporting agency that serves only as a secure conduit for data from a state unemployment compensation agency must obtain and maintain informed consent from an individual before obtaining confidential unemployment compensation information about the individual.
Sponsored by: Rep. Keith Ellison
Referred To The Subcommittee On Human Resources. on 02/10/2017
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The Credit Access and Inclusion Act of 2017 [HB-435]
The Credit Access and Inclusion Act of 2017 (Sec. 2) This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications
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Sponsored by: Rep. Raul Grijalva
Received In The Senate And Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 06/26/2018
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Fair Access to Credit Scores Act of 2017 [HB-402]
Fair Access to Credit Scores Act of 2017 This bill amends the Fair Credit Reporting Act to require certain consumer reporting agencies to disclose, upon request, as part of a consumer's free annual disclosure: (1) the consumer's current credit score, (2) any other information in the consumer's file regarding risk scores or predictors, and (3) any other consumer information the Consumer Financial Protection Bureau considers appropriate with respect to consumer financial education. Consumer reporting agencies shall maintain such scores or predictors
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Sponsored by: Rep. Raul Grijalva
Introduced In House on 01/10/2017
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Utah 2017 General Session
Expenses of Minor Children Amendments [HB-278]
Expenses of Minor Children Amendments
Sponsored by: Sen. Todd Weiler
Governor Signed In Lieutenant Governor's Office For Filing on 03/24/2017
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FHA Alternative Credit Pilot Program Reauthorization Act of 2017 [HB-123]
FHA Alternative Credit Pilot Program Reauthorization Act of 2017 This bill amends the National Housing Act to reauthorize a pilot program that establishes for mortgagees an automated process for providing alternative credit rating information on mortgagors and prospective mortgagors under mortgages on one- to four-family residences who have insufficient credit histories for determining their creditworthiness.
Sponsored by: Rep. Al Green
Introduced In House on 01/03/2017
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Cyber Privacy Fortification Act of 2017 [HB-135]
Cyber Privacy Fortification Act of 2017 This bill amends the federal criminal code to provide criminal penalties for intentional failures to provide required notices regarding security breaches of computerized data that there is reason to believe resulted in improper access to specified sensitive personally identifiable information that is electronic or digital. A person who owns or possesses data in electronic form containing a means of identification, and who has knowledge of a major security breach of the system containing such data, must notify
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Sponsored by: Rep. Henry Johnson
Referred To The Subcommittee On Crime, Terrorism, Homeland Security, And Investigations. on 01/12/2017