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H.R. 3878 115th Congress House

Free Credit Freeze Act

Official title: To amend the Fair Credit Reporting Act to provide access to free credit freezes for all consumers.

Introduced: September 28, 2017 Introduced by: Ben Ray Luján Democratic · New Mexico See on congress.gov
Finance and Financial Sector Consumer credit
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This bill died when the 115th Congress ended
It never became law before the 115th Congress (2017–2018) 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
Sep 28, 2017
Referred to the House Committee on Financial Services.
Sep 28, 2017
Introduced in House
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 Latest action September 28, 2017

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Free Credit Freeze Act

This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from charging a consumer a fee for placing, temporarily lifting, or fully removing a credit freeze. A consumer reporting agency must place a credit freeze on the consumer's file upon a consumer's request, prohibiting a consumer reporting agency from releasing any credit information without the consumer's permission.

 Related & companion bills 3
  • S 1810 Identical bill Free Credit Freeze Act
  • S 1816 Freedom from Equifax Exploitation Act
  • HR 3755 Comprehensive Consumer Credit Reporting Reform Act of 2017
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 15
All 15 Democratic 14
D
Garamendi, John
California · Feb 13, 2018
 D
McGovern, James P.
Massachusetts · Feb 7, 2018
 D
Smith, Adam
Washington · Feb 6, 2018
 D
DeSaulnier, Mark
California · Jan 30, 2018
 D
Clark, Katherine M.
Massachusetts · Jan 16, 2018
 D
Jayapal, Pramila
Washington · Nov 1, 2017
 D
Raskin, Jamie
Maryland · Oct 3, 2017
 D
Takano, Mark
California · Oct 3, 2017
 D
Beyer, Donald S.
Virginia · Sep 28, 2017
 D
Bishop, Sanford D.
Georgia · Sep 28, 2017
 D
Boyle, Brendan F.
Pennsylvania · Sep 28, 2017
 D
Kaptur, Marcy
Ohio · Sep 28, 2017
Lujan Grisham, Michelle
· Sep 28, 2017
 D
Nadler, Jerrold
New York · Sep 28, 2017
 D
Norton, Eleanor Holmes
District of Columbia · Sep 28, 2017
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3878: Free Credit Freeze Act. 115th Congress. Open America. https://openamerica.io/bill/115-HR-3878/
MLA
"H.R. 3878: Free Credit Freeze Act." 115th Congress, 2026, Open America, https://openamerica.io/bill/115-HR-3878/.
Bluebook (legal)
H.R. 3878, 115th Cong. (2026), https://openamerica.io/bill/115-HR-3878/.
Markdown link
[H.R. 3878: Free Credit Freeze Act](https://openamerica.io/bill/115-HR-3878/)
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