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HR 4220 108th Congress House

Federal Disaster Consumer Protection Act

Official title: To amend the Fair Credit Reporting Act to protect the credit records of consumers who are affected by federally declared disasters, and for other purposes.

Introduced: April 27, 2004 See on congress.gov
Finance and Financial Sector Collection of accountsCongressCongressional reporting requirementsConsumer credit
More subjectsShow fewer subjects
Debtor and creditorDisaster reliefDisastersEmergency ManagementFeesFinancial servicesGovernment Operations and PoliticsGovernment paperwork
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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 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
May 17, 2004
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Apr 27, 2004
Referred to the House Committee on Financial Services.
Apr 27, 2004
Sponsor introductory remarks on measure. (CR E663-664)
Apr 27, 2004
Introduced in House
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 Latest action May 17, 2004

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Federal Disaster Consumer Protection Act - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing any reference to a late payment that was due solely to a disruption caused by a declared disaster for which the agency received specified notice.

Sets forth procedures for striking adverse information due to declared disasters.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 2
All 2 Democratic 2
D
Norton, Eleanor Holmes
District of Columbia · Apr 27, 2004
 D
Sherman, Brad
California · Apr 27, 2004
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4220: Federal Disaster Consumer Protection Act. 108th Congress. Open America. https://openamerica.io/bill/108-HR-4220/
MLA
"H.R. 4220: Federal Disaster Consumer Protection Act." 108th Congress, 2026, Open America, https://openamerica.io/bill/108-HR-4220/.
Bluebook (legal)
H.R. 4220, 108th Cong. (2026), https://openamerica.io/bill/108-HR-4220/.
Markdown link
[H.R. 4220: Federal Disaster Consumer Protection Act](https://openamerica.io/bill/108-HR-4220/)
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