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S 1773 114th Congress Senate

Consumer Reporting Fairness Act of 2015

Official title: A bill to amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.

Introduced: July 15, 2015 See on congress.gov
Finance and Financial Sector BankruptcyCivil actions and liabilityConsumer credit
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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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 15, 2015
Read twice and referred to the Committee on the Judiciary.
Jul 15, 2015
Introduced in Senate
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 Latest action July 15, 2015

Read twice and referred to the Committee on the Judiciary.

 Plain-English summary Congressional Research Service

Consumer Reporting Fairness Act of 2015

This bill requires a creditor that has provided or furnished to a consumer reporting agency any item of information pertaining to an account based on a debt discharged in a case under the federal bankruptcy code to inform such agency that the debt has been discharged in bankruptcy and has a zero balance.

An individual injured by any willful violation of this provision shall recover actual damages, including costs and attorneys' fees, and may recover punitive damages in appropriate circumstances.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 4
All 4 Democratic 4
D
Schumer, Charles E.
New York · Oct 28, 2015
 D
Blumenthal, Richard
Connecticut · Jul 15, 2015
 D
Durbin, Richard J.
Illinois · Jul 15, 2015
 D
Merkley, Jeff
Oregon · Jul 15, 2015
Cite this page click to expand
APA
U.S. Congress. (2026). S. 1773: Consumer Reporting Fairness Act of 2015. 114th Congress. Open America. https://openamerica.io/bill/114-S-1773/
MLA
"S. 1773: Consumer Reporting Fairness Act of 2015." 114th Congress, 2026, Open America, https://openamerica.io/bill/114-S-1773/.
Bluebook (legal)
S. 1773, 114th Cong. (2026), https://openamerica.io/bill/114-S-1773/.
Markdown link
[S. 1773: Consumer Reporting Fairness Act of 2015](https://openamerica.io/bill/114-S-1773/)
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