Skip to main content
HR 769 112th Congress House

Fair Access to Credit Scores Act of 2011

Official title: To amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers, and for other purposes.

Introduced: February 17, 2011 Introduced by: Cohen, Steve Democratic · Tennessee See on congress.gov
Finance and Financial Sector BankruptcyBusiness recordsConsumer affairsConsumer creditGovernment studies and investigations
Sign in to write a letter Sign in to watch
This bill died when the 112th Congress ended
It never became law before the 112th Congress (2011–2012) 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
Apr 4, 2011
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Feb 17, 2011
Introduced in House
Feb 17, 2011
Referred to the House Committee on Financial Services.
 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 April 4, 2011

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Fair Access to Credit Scores Act of 2011 - Amends the Fair Credit Reporting Act to require consumer reporting agencies to disclose any information in the consumer's file concerning credit scores or other related risk scores or predictors when the consumer requests a free annual disclosure (credit report).

Requires all consumer reporting agencies to maintain information in the consumer's file concerning such scores or predictors for at least one year from the date on which such information is placed in the file.

Directs the Comptroller General to study bankruptcy risk scores used by consumer reporting agencies, including an analysis of: (1) the factors used to determine such scores; (2) how bankruptcy risk scores impact the ability of consumers to receive loans; and (3) actions that consumers can take to improve such scores.


 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 10
All 10 Democratic 5
BERMAN, HOWARD
· May 18, 2012
CUMMINGS, ELIJAH
· Apr 17, 2012
VISCLOSKY, PETER
· Feb 28, 2012
 D
Pingree, Chellie
Maine · Feb 16, 2012
 D
Johnson, Henry C. "Hank"
Georgia · Feb 8, 2012
 D
Kaptur, Marcy
Ohio · Jul 19, 2011
LOWEY, NITA
· Mar 31, 2011
 D
Schakowsky, Janice D.
Illinois · Mar 1, 2011
 D
Norton, Eleanor Holmes
District of Columbia · Feb 17, 2011
Tsongas, Niki
· Feb 17, 2011
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 769: Fair Access to Credit Scores Act of 2011. 112th Congress. Open America. https://openamerica.io/bill/112-HR-769/
MLA
"H.R. 769: Fair Access to Credit Scores Act of 2011." 112th Congress, 2026, Open America, https://openamerica.io/bill/112-HR-769/.
Bluebook (legal)
H.R. 769, 112th Cong. (2026), https://openamerica.io/bill/112-HR-769/.
Markdown link
[H.R. 769: Fair Access to Credit Scores Act of 2011](https://openamerica.io/bill/112-HR-769/)
Report a problem