Skip to main content
HR 4211 114th Congress House

Credit Score Competition Act of 2015

Official title: To require Fannie Mae and Freddie Mac to establish procedures for considering certain credit scores in making a determination whether to purchase a residential mortgage, and for other purposes.

Introduced: December 10, 2015 See on congress.gov
Housing and Community Development Administrative law and regulatory proceduresConsumer creditFederal Housing Finance AgencyGovernment corporations and government-sponsored enterprisesHousing finance and home ownership
Sign in to write a letter Sign in to watch
This bill died when the 114th Congress ended
It never became law before the 114th Congress (2015–2016) 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
Sep 27, 2016
Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.
Dec 10, 2015
Referred to the House Committee on Financial Services.
Dec 10, 2015
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 September 27, 2016

Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.

 Plain-English summary Congressional Research Service

Credit Score Competition Act of 2015

This bill amends the Federal National Mortgage Association Charter Act to authorize the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises, or GSEs) to use credit scores in purchasing residential mortgages only under certain conditions, including that the GSE has established and made publicly available a description of the process it will use to validate and approve credit scoring models.

The Director of the Federal Housing Finance Agency may, by regulation, establish standards and criteria for any process used by a GSE to validate and approve credit scoring models pursuant to the Acts.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 5
All 5 Democratic 3
Walters, Mimi
· Jun 3, 2016
 D
Meeks, Gregory W.
New York · Feb 9, 2016
Pittenger, Robert
· Dec 16, 2015
 D
Himes, James A.
Connecticut · Dec 15, 2015
 D
Sewell, Terri A.
Alabama · Dec 10, 2015
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4211: Credit Score Competition Act of 2015. 114th Congress. Open America. https://openamerica.io/bill/114-HR-4211/
MLA
"H.R. 4211: Credit Score Competition Act of 2015." 114th Congress, 2026, Open America, https://openamerica.io/bill/114-HR-4211/.
Bluebook (legal)
H.R. 4211, 114th Cong. (2026), https://openamerica.io/bill/114-HR-4211/.
Markdown link
[H.R. 4211: Credit Score Competition Act of 2015](https://openamerica.io/bill/114-HR-4211/)
Report a problem