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HR 2796 108th Congress House

Consumer Credit Protection Act Amendments of 2003

Official title: To amend the Fair Credit Reporting Act to prohibit the use of consumer credit history for any insurance purpose and to require the disclosure of consumer repor… Show full official titleShow less

Official title: To amend the Fair Credit Reporting Act to prohibit the use of consumer credit history for any insurance purpose and to require the disclosure of consumer reports and the credit scoring procedure in order to prevent inaccuracies and mistakes in consumer credit reports, and for other purposes.

Introduced: July 18, 2003 Introduced by: Thompson, Bennie G. Democratic · Mississippi See on congress.gov
Finance and Financial Sector Civil Rights and Liberties, Minority IssuesCommerceCongressCongressional reporting requirements
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Consumer creditConsumer educationConsumer protectionDiscrimination in insuranceGovernmental investigationsInsuranceInsurance companiesRestrictive trade practices
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This bill died when the 108th Congress ended
It never became law before the 108th Congress (2003–2004) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Aug 4, 2003
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Jul 18, 2003
Referred to the House Committee on Financial Services.
Jul 18, 2003
Introduced in House
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 Latest action August 4, 2003

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Consumer Credit Protection Act Amendments of 2003 - Amends the Fair Credit Reporting Act to set forth impermissible uses of consumer credit scores by an insurance provider with respect to a consumer or insurance applicant.

Mandates that any credit scoring system used to generate any risk or credit score be in compliance with the Equal Credit Opportunity Act.

Requires a consumer reporting agency, upon request, to disclose to the consumer clearly and accurately all information in the consumer's file, including: (1) credit consumer reports and any information concerning reports and credit scores; (2) any other risk scores or predictors, including any credit scores used; and (3) a clear, concise summary of how the scores and predictors are derived.

Cites circumstances that require a consumer reporting agency to furnish free disclosures upon request.

Requires every consumer reporting agency taking adverse action based upon a consumer report to: (1) provide a copy of such report, including other risk scores or predictors, and credit scores used; and (2) provide a written summary of all consumer rights and how to exercise them.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 2796: Consumer Credit Protection Act Amendments of 2003. 108th Congress. Open America. https://openamerica.io/bill/108-HR-2796/
MLA
"H.R. 2796: Consumer Credit Protection Act Amendments of 2003." 108th Congress, 2026, Open America, https://openamerica.io/bill/108-HR-2796/.
Bluebook (legal)
H.R. 2796, 108th Cong. (2026), https://openamerica.io/bill/108-HR-2796/.
Markdown link
[H.R. 2796: Consumer Credit Protection Act Amendments of 2003](https://openamerica.io/bill/108-HR-2796/)
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