BillCam

Consumer Financial Protection Bureau

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Number	Legislature	Summary	Subjects
HB-3642	Federal	Improving Credit Reporting for All Consumers Act This bill generally modifies requirements related to consumer credit reporting. Specifically, it revises the dispute process for consumers challenging information contained on their credit report, establishes an appeals process for disputed information, and establishes the right to injunctive relief. The bill also requires additional disclosures from credit reporting agencies and furnishers of credit information, prohibits automatic renewals for promotional consumer credit products and services, and makes other related changes. Additionally, the bill directs the Consumer Financial Protection Bureau to issue rules under this bill, including rules to provide for (1) accuracy and completeness in credit reports; (2) access to consumer reporting information for nonnative English speakers, the visually impaired, and the hearing impaired; and (3) the registration of consumer reporting agencies. Democrat: 100% (1) 100% Democrat support	Finance And Financial Sector Administrative Law And Regulatory Procedures Business Records Civil Actions And Liability Consumer Financial Protection Bureau Consumer Affairs Consumer Credit Foreign Language And Bilingual Programs Government Information And Archives Hearing, Speech, And Vision Care
S.2833	Federal	Veterans and Consumers Fair Credit Act Democrat: 100% (8) 100% Democrat support	Finance And Financial Sector Administrative Law And Regulatory Procedures Banking And Financial Institutions Regulation Civil Actions And Liability Congressional Oversight Consumer Financial Protection Bureau Consumer Affairs Consumer Credit Department Of Defense Financial Services And Investments
HB-5050	Federal	Veterans and Consumers Fair Credit Act Democrat: 91% (11) Republican: 8% (1) 91% Democrat support 8% Republican support	Finance And Financial Sector Administrative Law And Regulatory Procedures Banking And Financial Institutions Regulation Civil Actions And Liability Congressional Oversight Consumer Financial Protection Bureau Consumer Affairs Consumer Credit Department Of Defense Financial Services And Investments
HB-4476	Federal	Financial Transparency Act of 2019 Democrat: 50% (1) Republican: 50% (1) 50% Democrat support 50% Republican support	Finance And Financial Sector Administrative Law And Regulatory Procedures Banking And Financial Institutions Regulation Commodities Markets Commodity Futures Trading Commission Congressional Oversight Consumer Financial Protection Bureau Corporate Finance And Management Department Of The Treasury Federal Deposit Insurance Corporation (fdic)
HB-4067	Federal	Financial Inclusion in Banking Act of 2019 This bill expands the duties of the Office of Community Affairs within the Consumer Financial Protection Bureau regarding under-banked, un-banked, and underserved consumers. The office must, in part (1) report on impeding factors for individuals and families that do not participate in the banking system, and (2) develop strategies to increase such participation. The bill also decreases, beginning September 30, 2029, the cap on the surplus funds of the Federal Reserve banks. (Amounts exceeding this cap are deposited in the general fund of the Treasury.) Democrat: 66% (4) Republican: 33% (2) 66% Democrat support 33% Republican support	Finance And Financial Sector Bank Accounts, Deposits, Capital Congressional Oversight Financial Literacy Government Studies And Investigations Consumer Financial Protection Bureau Consumer Credit Executive Agency Funding And Structure
HB-4254	Federal	Overdraft Protection Act of 2019 This bill prohibits a depository institution from engaging in unfair or deceptive acts in connection with overdraft coverage. Each depository institution that offers overdraft coverage for accounts must disclose overdraft coverage fees. It must also disclose that the consumer's transaction may be declined if there are insufficient funds in the related transaction account, and the consumer will not be charged a fee if such transaction is declined. A depository institution must provide certain other disclosures regarding its overdraft protection program, including prompt notification of the account's overdraft status. The bill limits the number of overdraft fees a consumer may be charged each month and year, and provides that such fees must be reasonable. The bill prohibits an overdraft coverage fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. The bill also prohibits a depository institution from charging a non-sufficient fund fee for any debit card transaction, or reporting negative information regarding consumer use of overdraft coverage to any consumer reporting agency when the overdraft amounts and coverage fees are paid under the terms of an overdraft coverage program. Democrat: 100% (20) 100% Democrat support	Finance And Financial Sector Administrative Law And Regulatory Procedures Bank Accounts, Deposits, Capital Banking And Financial Institutions Regulation Congressional Oversight Consumer Financial Protection Bureau Consumer Affairs Consumer Credit Government Studies And Investigations Marketing And Advertising
HB-3629	Federal	Clarity in Credit Score Formation Act of 2019 This bill provides that the Consumer Financial Protection Bureau (CFPB) must 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. Democrat: 100% (2) 100% Democrat support	Finance And Financial Sector Banking And Financial Institutions Regulation Banking And Financial Institutions Regulation Business Records Business Records Congressional Oversight Congressional Oversight Consumer Credit Consumer Credit Credit And Credit Markets
HB-3547	Federal	Students and Young Consumers Empowerment Act Democrat: 100% (2) 100% Democrat support	Finance And Financial Sector Congressional Oversight Consumer Financial Protection Bureau Consumer Affairs Consumer Credit Executive Agency Funding And Structure Financial Literacy Government Employee Pay, Benefits, Personnel Management Government Information And Archives Government Studies And Investigations
HB-3257	Federal	Student Loan Fairness Act Democrat: 100% (21) 100% Democrat support	Education Administrative Law And Regulatory Procedures Consumer Financial Protection Bureau Education Programs Funding Government Employee Pay, Benefits, Personnel Management Government Lending And Loan Guarantees Health Care Coverage And Access Health Personnel Higher Education Income Tax Exclusion
HB-2904	Federal	Financial Protection for Our Military Families Act This bill extends the supervisory authority of the Consumer Financial Protection Bureau to credit protections applicable to certain active duty members of the armed forces and their dependents. Republican: 100% (1) 100% Republican support	Finance And Financial Sector Banking And Financial Institutions Regulation Consumer Financial Protection Bureau Consumer Credit Interest, Dividends, Interest Rates Military Personnel And Dependents
HB-2833	Federal	CFPB Student Loan Integrity and Transparency Act of 2019 Democrat: 100% (13) 100% Democrat support	Education Congressional Oversight Consumer Financial Protection Bureau Consumer Credit Executive Agency Funding And Structure Government Employee Pay, Benefits, Personnel Management Government Information And Archives Higher Education Public Contracts And Procurement Student Aid And College Costs
S.1354	Federal	Student Loan Borrower Bill of Rights Democrat: 100% (10) 100% Democrat support	Education Administrative Law And Regulatory Procedures Banking And Financial Institutions Regulation Congressional Oversight Consumer Financial Protection Bureau Consumer Affairs Consumer Credit Credit And Credit Markets Disability And Paralysis Government Information And Archives
S.1335	Federal	Repeal CFPB Act This bill repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau. Republican: 100% (9) 100% Republican support	Finance And Financial Sector Banking And Financial Institutions Regulation Consumer Financial Protection Bureau Consumer Affairs Consumer Credit Executive Agency Funding And Structure
HB-2445	Federal	Self-Employed Mortgage Access Act of 2019 This bill allows creditors to use certain alternative standards when evaluating an applicant's ability to pay for purposes of obtaining a home mortgage. Republican: 27% (3) Democrat: 72% (8) 27% Republican support 72% Democrat support	Finance And Financial Sector Administrative Law And Regulatory Procedures Consumer Financial Protection Bureau Consumer Credit Housing Finance And Home Ownership
S.869	Federal	Independent Agency Regulatory Analysis Act Republican: 100% (5) 100% Republican support	Government Operations And Politics Administrative Law And Regulatory Procedures Commodity Futures Trading Commission Consumer Financial Protection Bureau Consumer Product Safety Commission Department Of The Treasury Federal Communications Commission (fcc) Federal Deposit Insurance Corporation (fdic) Federal Energy Regulatory Commission (ferc) Federal Housing Finance Agency
HB-1810	Federal	Kids to College Act Republican: 50% (1) Democrat: 50% (1) 50% Republican support 50% Democrat support	Education Administrative Law And Regulatory Procedures Consumer Financial Protection Bureau Consumer Credit Department Of Defense Department Of The Treasury Federal Preemption Higher Education Income Tax Exclusion Military Personnel And Dependents
S.720	Federal	CFPB Student Loan Integrity and Transparency Act of 2019 Democrat: 100% (13) 100% Democrat support	Education Congressional Oversight Consumer Financial Protection Bureau Consumer Credit Executive Agency Funding And Structure Government Employee Pay, Benefits, Personnel Management Government Information And Archives Higher Education Public Contracts And Procurement Student Aid And College Costs
HB-1509	Federal	SAFE Lending Act of 2019 Stopping Abuse and Fraud in Electronic Lending Act of 2019 This bill revises requirements related to consumer financial protection and small-dollar lending, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information. Under the bill, remotely created checks may only be issued by a person specifically designated in writing by a consumer and provided to the consumer's depository institution. (A remotely created check is a check not issued by the bank and not signed by the account owner.) A voluntary agreement to repay a small-dollar consumer credit transaction by an electronic fund transfer is subject to certain protections, including the right of the consumer to stop payment. Small-dollar consumer credit providers must register with the Consumer Financial Protection Bureau. Any small-dollar consumer credit transaction is subject to the laws of the state in which the consumer resides. The bill also prohibits overdraft fees on prepaid accounts. Democrat: 100% (2) 100% Democrat support	Finance And Financial Sector Administrative Law And Regulatory Procedures Bank Accounts, Deposits, Capital Banking And Financial Institutions Regulation Congressional Oversight Consumer Financial Protection Bureau Consumer Financial Protection Bureau Consumer Credit Consumer Credit Government Studies And Investigations
HB-1509	Federal	SAFE Lending Act of 2019 Stopping Abuse and Fraud in Electronic Lending Act of 2019 This bill revises requirements related to consumer financial protection and small-dollar lending, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information. Under the bill, remotely created checks may only be issued by a person specifically designated in writing by a consumer and provided to the consumer's depository institution. (A remotely created check is a check not issued by the bank and not signed by the account owner.) A voluntary agreement to repay a small-dollar consumer credit transaction by an electronic fund transfer is subject to certain protections, including the right of the consumer to stop payment. Small-dollar consumer credit providers must register with the Consumer Financial Protection Bureau. Any small-dollar consumer credit transaction is subject to the laws of the state in which the consumer resides. The bill also prohibits overdraft fees on prepaid accounts. Democrat: 100% (2) 100% Democrat support	Finance And Financial Sector Administrative Law And Regulatory Procedures Bank Accounts, Deposits, Capital Banking And Financial Institutions Regulation Congressional Oversight Consumer Financial Protection Bureau Consumer Financial Protection Bureau Consumer Credit Consumer Credit Government Studies And Investigations
HB-1500	Federal	Consumers First Act This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB), including establishing requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. The bill specifically states the duties of the Office of Fair Lending and Equal Opportunity (under current law, these are delegated by the CFPB Director). It also adds the duty to implement enforcement and supervisory authority regarding the fair lending laws. Specified units, offices, and boards of the CFPB must perform their assigned duties and may not be renamed or reorganized. The bill amends all statutory references to the "Bureau of Consumer Financial Protection" to refer instead to the "Consumer Financial Protection Bureau." Membership and meeting requirements for the Consumer Advisory Board are also revised. Democrat: 100% (30) 100% Democrat support	Finance And Financial Sector Advisory Bodies Banking And Financial Institutions Regulation Congressional Oversight Consumer Financial Protection Bureau Consumer Affairs Executive Agency Funding And Structure Financial Crises And Stabilization Financial Literacy Government Employee Pay, Benefits, Personnel Management

Title: Improving Credit Reporting for All Consumers Act

Session: US Congress 116th Congress

Number: HB-3642

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Business Records, Civil Actions And Liability, Consumer Financial Protection Bureau, Consumer Affairs, Consumer Credit, Foreign Language And Bilingual Programs, Government Information And Archives, Hearing, Speech, And Vision Care

Democrat: 100% (1)

Title: Veterans and Consumers Fair Credit Act

Session: US Congress 116th Congress

Number: S.2833

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Banking And Financial Institutions Regulation, Civil Actions And Liability, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Affairs, Consumer Credit, Department Of Defense, Financial Services And Investments

Democrat: 100% (8)

Title: Veterans and Consumers Fair Credit Act

Session: US Congress 116th Congress

Number: HB-5050

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Banking And Financial Institutions Regulation, Civil Actions And Liability, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Affairs, Consumer Credit, Department Of Defense, Financial Services And Investments

Democrat: 91% (11) Republican: 8% (1)

Title: Financial Transparency Act of 2019

Session: US Congress 116th Congress

Number: HB-4476

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Banking And Financial Institutions Regulation, Commodities Markets, Commodity Futures Trading Commission, Congressional Oversight, Consumer Financial Protection Bureau, Corporate Finance And Management, Department Of The Treasury, Federal Deposit Insurance Corporation (fdic)

Democrat: 50% (1) Republican: 50% (1)

Title: Financial Inclusion in Banking Act of 2019

Session: US Congress 116th Congress

Number: HB-4067

Subjects: Finance And Financial Sector, Bank Accounts, Deposits, Capital, Congressional Oversight, Financial Literacy, Government Studies And Investigations, Consumer Financial Protection Bureau, Consumer Credit, Executive Agency Funding And Structure

Democrat: 66% (4) Republican: 33% (2)

Title: Overdraft Protection Act of 2019

Session: US Congress 116th Congress

Number: HB-4254

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Bank Accounts, Deposits, Capital, Banking And Financial Institutions Regulation, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Affairs, Consumer Credit, Government Studies And Investigations, Marketing And Advertising

Democrat: 100% (20)

Title: Clarity in Credit Score Formation Act of 2019

Session: US Congress 116th Congress

Number: HB-3629

Subjects: Finance And Financial Sector, Banking And Financial Institutions Regulation, Banking And Financial Institutions Regulation, Business Records, Business Records, Congressional Oversight, Congressional Oversight, Consumer Credit, Consumer Credit, Credit And Credit Markets

Democrat: 100% (2)

Title: Students and Young Consumers Empowerment Act

Session: US Congress 116th Congress

Number: HB-3547

Subjects: Finance And Financial Sector, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Affairs, Consumer Credit, Executive Agency Funding And Structure, Financial Literacy, Government Employee Pay, Benefits, Personnel Management, Government Information And Archives, Government Studies And Investigations

Democrat: 100% (2)

Title: Student Loan Fairness Act

Session: US Congress 116th Congress

Number: HB-3257

Subjects: Education, Administrative Law And Regulatory Procedures, Consumer Financial Protection Bureau, Education Programs Funding, Government Employee Pay, Benefits, Personnel Management, Government Lending And Loan Guarantees, Health Care Coverage And Access, Health Personnel, Higher Education, Income Tax Exclusion

Democrat: 100% (21)

Title: Financial Protection for Our Military Families Act

Session: US Congress 116th Congress

Number: HB-2904

Subjects: Finance And Financial Sector, Banking And Financial Institutions Regulation, Consumer Financial Protection Bureau, Consumer Credit, Interest, Dividends, Interest Rates, Military Personnel And Dependents

Republican: 100% (1)

Title: CFPB Student Loan Integrity and Transparency Act of 2019

Session: US Congress 116th Congress

Number: HB-2833

Subjects: Education, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Credit, Executive Agency Funding And Structure, Government Employee Pay, Benefits, Personnel Management, Government Information And Archives, Higher Education, Public Contracts And Procurement, Student Aid And College Costs

Democrat: 100% (13)

Title: Student Loan Borrower Bill of Rights

Session: US Congress 116th Congress

Number: S.1354

Subjects: Education, Administrative Law And Regulatory Procedures, Banking And Financial Institutions Regulation, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Affairs, Consumer Credit, Credit And Credit Markets, Disability And Paralysis, Government Information And Archives

Democrat: 100% (10)

Title: Repeal CFPB Act

Session: US Congress 116th Congress

Number: S.1335

Subjects: Finance And Financial Sector, Banking And Financial Institutions Regulation, Consumer Financial Protection Bureau, Consumer Affairs, Consumer Credit, Executive Agency Funding And Structure

Republican: 100% (9)

Title: Self-Employed Mortgage Access Act of 2019

Session: US Congress 116th Congress

Number: HB-2445

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Consumer Financial Protection Bureau, Consumer Credit, Housing Finance And Home Ownership

Republican: 27% (3) Democrat: 72% (8)

Title: Independent Agency Regulatory Analysis Act

Session: US Congress 116th Congress

Number: S.869

Subjects: Government Operations And Politics, Administrative Law And Regulatory Procedures, Commodity Futures Trading Commission, Consumer Financial Protection Bureau, Consumer Product Safety Commission, Department Of The Treasury, Federal Communications Commission (fcc), Federal Deposit Insurance Corporation (fdic), Federal Energy Regulatory Commission (ferc), Federal Housing Finance Agency

Republican: 100% (5)

Title: Kids to College Act

Session: US Congress 116th Congress

Number: HB-1810

Subjects: Education, Administrative Law And Regulatory Procedures, Consumer Financial Protection Bureau, Consumer Credit, Department Of Defense, Department Of The Treasury, Federal Preemption, Higher Education, Income Tax Exclusion, Military Personnel And Dependents

Republican: 50% (1) Democrat: 50% (1)

Title: CFPB Student Loan Integrity and Transparency Act of 2019

Session: US Congress 116th Congress

Number: S.720

Subjects: Education, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Credit, Executive Agency Funding And Structure, Government Employee Pay, Benefits, Personnel Management, Government Information And Archives, Higher Education, Public Contracts And Procurement, Student Aid And College Costs

Democrat: 100% (13)

Title: SAFE Lending Act of 2019 Stopping Abuse and Fraud in Electronic Lending Act of 2019

Session: US Congress 116th Congress

Number: HB-1509

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Bank Accounts, Deposits, Capital, Banking And Financial Institutions Regulation, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Financial Protection Bureau, Consumer Credit, Consumer Credit, Government Studies And Investigations

Democrat: 100% (2)

Title: SAFE Lending Act of 2019 Stopping Abuse and Fraud in Electronic Lending Act of 2019

Session: US Congress 116th Congress

Number: HB-1509

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Bank Accounts, Deposits, Capital, Banking And Financial Institutions Regulation, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Financial Protection Bureau, Consumer Credit, Consumer Credit, Government Studies And Investigations

Democrat: 100% (2)

Title: Consumers First Act

Session: US Congress 116th Congress

Number: HB-1500

Subjects: Finance And Financial Sector, Advisory Bodies, Banking And Financial Institutions Regulation, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Affairs, Executive Agency Funding And Structure, Financial Crises And Stabilization, Financial Literacy, Government Employee Pay, Benefits, Personnel Management

Democrat: 100% (30)

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