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H.R. 2324 116th Congress House

Protections in Consumer Lending Act

Official title: To amend the Equal Credit Opportunity Act to require creditors to request demographic information from applicants for certain types of credit in order to preve… Show full official titleShow less

Official title: To amend the Equal Credit Opportunity Act to require creditors to request demographic information from applicants for certain types of credit in order to prevent discriminatory lending practices with respect to those applicants, and for other purposes.

Introduced: April 15, 2019 Introduced by: Jesús G. "Chuy" García Democratic · Illinois See on congress.gov
Finance and Financial Sector Age discriminationBusiness recordsCongressional oversightConsumer credit
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Credit and credit marketsGovernment information and archivesMarriage and family statusRacial and ethnic relationsRight of privacySex, gender, sexual orientation discrimination
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This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) 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 15, 2019
Referred to the House Committee on Financial Services.
Apr 15, 2019
Sponsor introductory remarks on measure. (CR E471)
Apr 15, 2019
Introduced in House
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 Latest action April 15, 2019

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Protections in Consumer Lending Act

This bill requires creditors to collect specified demographic information regarding applicants for certain credit transactions (e.g., automobile loans, credit cards, and payday loans) and the outcomes of these applications. The creditor must report this information to the Consumer Financial Protection Bureau (CFPB).

The CFPB must use this information to determine whether a creditor is engaging in discriminatory practices and may take enforcement action.

 Related & companion bills 1
  • S 1205 Protections in Consumer Lending Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 2324: Protections in Consumer Lending Act. 116th Congress. Open America. https://openamerica.io/bill/116-HR-2324/
MLA
"H.R. 2324: Protections in Consumer Lending Act." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-2324/.
Bluebook (legal)
H.R. 2324, 116th Cong. (2026), https://openamerica.io/bill/116-HR-2324/.
Markdown link
[H.R. 2324: Protections in Consumer Lending Act](https://openamerica.io/bill/116-HR-2324/)
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