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S 2362 115th Congress Senate Finance and Financial Sector Computer security and identity theft Congressional oversight Consumer credit Credit and credit markets Government studies and investigations

Control Your Personal Credit Information Act of 2018

Introduced: January 30, 2018 Introduced by: Reed, Jack Democratic · Rhode Island See on congress.gov
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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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 12, 2018
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-361.
Jan 30, 2018
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S582-583)
Jan 30, 2018
Introduced in Senate
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 Plain-English summary Congressional Research Service

Control Your Personal Credit Information Act of 2018

This bill amends the Fair Credit Reporting Act to require a consumer's affirmative written consent before a consumer reporting agency may share that consumer's report with third parties for specified purposes. A consumer must provide proper identification when giving this consent. (Currently, this sharing is generally allowed unless a consumer opts out.)

If the consumer provides consent, a consumer reporting agency may share information with a third party for:

  • an extension of credit, or
  • the underwriting of insurance.

A consumer reporting agency may provide a consumer report in connection with transactions not initiated by the consumer only if:

  • the consumer provides affirmative consent, and
  • the transaction consists of a firm offer of credit or insurance.

The Government Accountability Office must report on how best to protect information collected in consumer files.

Consumer reporting agencies may not charge consumers fees in connection with furnishing consumer reports.

The bill requires consumer reporting agencies to use reasonable efforts to prevent data breaches of consumer reports.

What's happening now July 12, 2018

Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-361.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). S. 2362: Control Your Personal Credit Information Act of 2018. 115th Congress. Open America. https://openamerica.io/bill/115-S-2362/
MLA
"S. 2362: Control Your Personal Credit Information Act of 2018." 115th Congress, 2026, Open America, https://openamerica.io/bill/115-S-2362/.
Bluebook (legal)
S. 2362, 115th Cong. (2026), https://openamerica.io/bill/115-S-2362/.
Markdown link
[S. 2362: Control Your Personal Credit Information Act of 2018](https://openamerica.io/bill/115-S-2362/)
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