BillCam

Consumer Financial Protection Bureau

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Number	Legislature	Summary	Subjects
HB-7301	Federal	Emergency Housing Protections and Relief Act of 2020 Democrat: 100% (10) 100% Democrat support	Housing And Community Development Administrative Law And Regulatory Procedures Administrative Remedies Alaska Natives And Hawaiians American Samoa Appropriations Banking And Financial Institutions Regulation Bankruptcy Building Construction Cardiovascular And Respiratory Health
HB-3821	Federal	To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes. This bill revises requirements related to credit reporting agencies and the reporting of adverse credit information. Credit reporting agencies are prohibited from using social security numbers in credit reports and as a method of verifying a consumer's identity. The Consumer Financial Protection Bureau must supervise and examine the cybersecurity of certain credit reporting agencies. The bill prohibits a credit reporting agency from reporting paid, medically-necessary debt if the debt was paid over a year prior. A credit reporting agency is also prohibited from reporting certain adverse credit information related to financial abuse, unfair or fraudulent mortgage lending, or fraudulent private student lending. The bill extends the time credit reporting agencies have to place a credit security freeze when receiving such a request by phone or through electronic means from one to three business days. It also extends the time agencies have to remove a freeze from one hour to three days. Republican: 100% (1) 100% Republican support	Finance And Financial Sector Banking And Financial Institutions Regulation Business Records Computer Security And Identity Theft Congressional Oversight Consumer Financial Protection Bureau Consumer Affairs Consumer Credit Crime Victims Debt Collection
HB-6741	Federal	COVID-19 Mortgage Relief Act Democrat: 100% (37) 100% Democrat support	Housing And Community Development Administrative Law And Regulatory Procedures Banking And Financial Institutions Regulation Bankruptcy Cardiovascular And Respiratory Health Congressional Oversight Consumer Financial Protection Bureau Emergency Medical Services And Trauma Care Federal Reserve System Financial Services And Investments
HB-6321	Federal	Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act This bill responds to the COVID-19 (i.e., coronavirus disease 2019) emergency and generally provides for financial assistance and other aid to individuals, businesses, and state and local governments for the duration of the emergency period. Among other things, the bill provides direct payments to individuals of up to $2,000 a month, subject to limits based on adjusted gross income; establishes digital wallets for individuals without bank accounts to receive such payments; provides for the suspension of specified housing and consumer loan payments, evictions, and foreclosures; creates financial assistance programs regarding housing, student loans, and utilities; establishes credit programs for small businesses, nonprofit organizations, farms, independent contractors, minority depository institutions, and community development financial institutions; authorizes funds for housing assistance, elderly assistance, and emergency production of medical supplies; and provides for investigation, oversight, and other requirements regarding COVID-19 aid. The bill also modifies existing provisions, including those regarding deposit insurance for transaction accounts, Federal Reserve Board purchases of municipal bonds, stock buybacks, required disclosures by issuers of securities, international aid programs, and agency guidance concerning pandemics and major disasters. Democrat: 100% (1) 100% Democrat support	Finance And Financial Sector Administrative Law And Regulatory Procedures Advisory Bodies Africa Agricultural Prices, Subsidies, Credit Air Quality Alternative Dispute Resolution, Mediation, Arbitration Appropriations Atmospheric Science And Weather Bank Accounts, Deposits, Capital
HB-6378	Federal	Interagency Pandemic Guidance for Consumers Act Democrat: 100% (2) 100% Democrat support	Finance And Financial Sector Banking And Financial Institutions Regulation Congressional Oversight Consumer Financial Protection Bureau Consumer Credit Debt Collection Department Of Agriculture Department Of Housing And Urban Development Department Of Agriculture Disaster Relief And Insurance
HB-6265	Federal	Coronavirus Guidance for Financial Institutions Act This bill directs the Federal Reserve Board, the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the National Credit Union Administration to report on the effectiveness of the joint release issued by federal and state financial regulators on March 9, 2020, encouraging financial institutions to meet the needs of customers affected by the coronavirus (i.e., the virus that causes COVID-19). Republican: 100% (5) 100% Republican support	Finance And Financial Sector Banking And Financial Institutions Regulation Cardiovascular And Respiratory Health Congressional Oversight Consumer Financial Protection Bureau Consumer Credit Department Of The Treasury Emergency Medical Services And Trauma Care Federal Deposit Insurance Corporation (fdic) Federal Reserve System
S.3368	Federal	CFPB Pay Fairness Act of 2020 This bill requires employees of the Consumer Financial Protection Bureau to be compensated according to the General Schedule pay scale for federal employees. Republican: 100% (6) 100% Republican support	Finance And Financial Sector Consumer Financial Protection Bureau Government Employee Pay, Benefits, Personnel Management
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
HB-5332	Federal	Protecting Your Credit Score Act of 2020 This bill revises provisions related to consumer credit reports and credit reporting agencies. Credit reporting agencies are directed to create a central online portal that allows consumers to (1) access free credit reports and credit scores, (2) dispute errors, and (3) place or lift security freezes. Consumers will receive a free credit score when requesting a free annual credit report. The bill establishes a public registry for credit reporting agencies. The bill also provides the Consumer Financial Protection Bureau (CFPB) with statutory authority for supervising credit reporting agencies. A credit reporting ombudsperson is established at the CFPB, whose responsibilities include resolving persistent errors by credit reporting agencies. A court may award injunctive relief to compel a credit reporting agency to comply with credit report protections. Credit reporting agencies must provide available information to consumers regarding the purpose behind the procurement of a credit report. The bill gives the CFPB the authority to establish data security requirements for credit reporting agencies. The Government Accountability Office must report on the feasibility of credit reporting agencies replacing Social Security numbers as identifiers with another type of federal identification. Democrat: 50% (1) Republican: 50% (1) 50% Democrat support 50% Republican support	Finance And Financial Sector Civil Actions And Liability Computer Security And Identity Theft Congressional Oversight Consumer Financial Protection Bureau Consumer Credit Executive Agency Funding And Structure Government Information And Archives Government Studies And Investigations Licensing And Registrations
HB-5294	Federal	Student Borrower Protections Act of 2019 Democrat: 100% (3) 100% Democrat support	Education Administrative Law And Regulatory Procedures Advisory Bodies Banking And Financial Institutions Regulation Congressional Oversight Consumer Financial Protection Bureau Consumer Affairs Consumer Credit Credit And Credit Markets Government Information And Archives
S.2833	Federal	Veterans and Consumers Fair Credit Act This bill applies certain military consumer credit protections to all consumers. Specifically, the bill caps the interest rate on extensions of consumer credit at 36%. Democrat: 100% (9) 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 This bill applies certain military consumer credit protections to all consumers. Specifically, the bill caps the interest rate on extensions of consumer credit at 36%. Democrat: 95% (19) Republican: 5% (1) 95% Democrat support 5% 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-5013	Federal	Small Business Fair Debt Collection Protection Act This bill applies consumer debt collection protections to small businesses, including protections regarding debt collection methods and third-party debt collection. Democrat: 100% (2) 100% Democrat support	Finance And Financial Sector Administrative Law And Regulatory Procedures Consumer Financial Protection Bureau Consumer Credit Debt Collection Small Business
HB-5021	Federal	Ending Debt Collection Harassment Act of 2019 This bill prohibits a debt collector from sending electronic communications to a consumer without the consumer's consent. The Consumer Financial Protection Bureau (CFPB) may not issue rules that allow a debt collector to send unlimited electronic communications. Additionally, the CFPB must report on consumer complaints about electronic communications and enforcement actions taken against debt collectors. Democrat: 100% (9) 100% Democrat support	Finance And Financial Sector Administrative Law And Regulatory Procedures Congressional Oversight Consumer Financial Protection Bureau Consumer Credit Debt Collection Telephone And Wireless Communication Telephone And Wireless Communication
HB-4664	Federal	Monitoring and Curbing Abusive Debt Collection Practices Act This bill prohibits the Consumer Financial Protection Bureau (CFPB) from issuing rules that allow a debt collector to send unlimited electronic communications to a consumer. Additionally, the CFPB must report on consumer complaints about debt collection and enforcement actions taken against debt collectors. Democrat: 100% (1) 100% Democrat support	Finance And Financial Sector Administrative Law And Regulatory Procedures Congressional Oversight Consumer Financial Protection Bureau Consumer Credit Debt Collection Telephone And Wireless Communication
HB-4476	Federal	Financial Transparency Act of 2019 This bill requires federal financial regulatory agencies to adopt specified data standards with respect to format, searchability, and transparency. 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-3622	Federal	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. Democrat: 100% (1) 100% Democrat support	Finance And Financial Sector 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

Title: Emergency Housing Protections and Relief Act of 2020

Session: US Congress 116th Congress

Number: HB-7301

Subjects: Housing And Community Development, Administrative Law And Regulatory Procedures, Administrative Remedies, Alaska Natives And Hawaiians, American Samoa, Appropriations, Banking And Financial Institutions Regulation, Bankruptcy, Building Construction, Cardiovascular And Respiratory Health

Democrat: 100% (10)

Title: To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes.

Session: US Congress 116th Congress

Number: HB-3821

Subjects: Finance And Financial Sector, Banking And Financial Institutions Regulation, Business Records, Computer Security And Identity Theft, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Affairs, Consumer Credit, Crime Victims, Debt Collection

Republican: 100% (1)

Title: COVID-19 Mortgage Relief Act

Session: US Congress 116th Congress

Number: HB-6741

Subjects: Housing And Community Development, Administrative Law And Regulatory Procedures, Banking And Financial Institutions Regulation, Bankruptcy, Cardiovascular And Respiratory Health, Congressional Oversight, Consumer Financial Protection Bureau, Emergency Medical Services And Trauma Care, Federal Reserve System, Financial Services And Investments

Democrat: 100% (37)

Title: Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act

Session: US Congress 116th Congress

Number: HB-6321

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Advisory Bodies, Africa, Agricultural Prices, Subsidies, Credit, Air Quality, Alternative Dispute Resolution, Mediation, Arbitration, Appropriations, Atmospheric Science And Weather, Bank Accounts, Deposits, Capital

Democrat: 100% (1)

Title: Interagency Pandemic Guidance for Consumers Act

Session: US Congress 116th Congress

Number: HB-6378

Subjects: Finance And Financial Sector, Banking And Financial Institutions Regulation, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Credit, Debt Collection, Department Of Agriculture, Department Of Housing And Urban Development, Department Of Agriculture, Disaster Relief And Insurance

Democrat: 100% (2)

Title: Coronavirus Guidance for Financial Institutions Act

Session: US Congress 116th Congress

Number: HB-6265

Subjects: Finance And Financial Sector, Banking And Financial Institutions Regulation, Cardiovascular And Respiratory Health, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Credit, Department Of The Treasury, Emergency Medical Services And Trauma Care, Federal Deposit Insurance Corporation (fdic), Federal Reserve System

Republican: 100% (5)

Title: CFPB Pay Fairness Act of 2020

Session: US Congress 116th Congress

Number: S.3368

Subjects: Finance And Financial Sector, Consumer Financial Protection Bureau, Government Employee Pay, Benefits, Personnel Management

Republican: 100% (6)

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: Protecting Your Credit Score Act of 2020

Session: US Congress 116th Congress

Number: HB-5332

Subjects: Finance And Financial Sector, Civil Actions And Liability, Computer Security And Identity Theft, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Credit, Executive Agency Funding And Structure, Government Information And Archives, Government Studies And Investigations, Licensing And Registrations

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

Title: Student Borrower Protections Act of 2019

Session: US Congress 116th Congress

Number: HB-5294

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

Democrat: 100% (3)

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% (9)

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: 95% (19) Republican: 5% (1)

Title: Small Business Fair Debt Collection Protection Act

Session: US Congress 116th Congress

Number: HB-5013

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Consumer Financial Protection Bureau, Consumer Credit, Debt Collection, Small Business

Democrat: 100% (2)

Title: Ending Debt Collection Harassment Act of 2019

Session: US Congress 116th Congress

Number: HB-5021

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Credit, Debt Collection, Telephone And Wireless Communication, Telephone And Wireless Communication

Democrat: 100% (9)

Title: Monitoring and Curbing Abusive Debt Collection Practices Act

Session: US Congress 116th Congress

Number: HB-4664

Subjects: Finance And Financial Sector, Administrative Law And Regulatory Procedures, Congressional Oversight, Consumer Financial Protection Bureau, Consumer Credit, Debt Collection, Telephone And Wireless Communication

Democrat: 100% (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: Restoring Unfairly Impaired Credit and Protecting Consumers Act

Session: US Congress 116th Congress

Number: HB-3622

Subjects: Finance And Financial Sector, 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

Democrat: 100% (1)

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