Skip to main content
HR 5743 111th Congress House

Protecting Homeowners' Credit History Act of 2010

Official title: To amend the Fair Credit Reporting Act to prohibit the furnishing of certain negative loan modification information to a consumer reporting agency and to prohi… Show full official titleShow less

Official title: To amend the Fair Credit Reporting Act to prohibit the furnishing of certain negative loan modification information to a consumer reporting agency and to prohibit such information from being used in computing a consumer's credit score.

Introduced: July 15, 2010 See on congress.gov
Finance and Financial Sector Consumer creditHousing finance and home ownership
Sign in to write a letter Sign in to watch
This bill died when the 111th Congress ended
It never became law before the 111th Congress (2009–2010) 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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 15, 2010
Referred to the House Committee on Financial Services.
Jul 15, 2010
Introduced in House
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

 Latest action July 15, 2010

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Protecting Homeowners' Credit History Act of 2010 - Amends the Fair Credit Reporting Act to prohibit a person from furnishing to a consumer reporting agency any negative information resulting from the modification of the terms of a consumer loan secured by one to four units of residential real property, including any agreement to reduce the amount of the payments for the loan or to reduce the principal amount of such loan.

Prohibits a person, in calculating any consumer's credit score, from producing a less favorable credit score on the basis of any information resulting from the modification of the terms of a consumer loan secured by one to four units of residential real property, including any such agreement as well.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 3
All 3 Democratic 3
D
Kaptur, Marcy
Ohio · Jul 30, 2010
 D
Chu, Judy
California · Jul 20, 2010
 D
Titus, Dina
Nevada · Jul 20, 2010
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 5743: Protecting Homeowners' Credit History Act of 2010. 111th Congress. Open America. https://openamerica.io/bill/111-HR-5743/
MLA
"H.R. 5743: Protecting Homeowners' Credit History Act of 2010." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-5743/.
Bluebook (legal)
H.R. 5743, 111th Cong. (2026), https://openamerica.io/bill/111-HR-5743/.
Markdown link
[H.R. 5743: Protecting Homeowners' Credit History Act of 2010](https://openamerica.io/bill/111-HR-5743/)
Report a problem