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HR 3618 116th Congress House Finance and Financial Sector Consumer affairs Consumer credit Contracts and agency Crime victims Fraud offenses and financial crimes Higher education Housing finance and home ownership Motor vehicles Poverty and welfare assistance Student aid and college costs Unemployment

Free Credit Scores for Consumers Act of 2019

Introduced: July 5, 2019 Introduced by: Beatty, Joyce Democratic · Ohio See on congress.gov
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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 6 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Nov 21, 2019
Placed on the Union Calendar, Calendar No. 247.
Nov 21, 2019
Reported (Amended) by the Committee on Financial Services. H. Rept. 116-306.
Jul 11, 2019
Ordered to be Reported (Amended) by the Yeas and Nays: 32 - 26.
Jul 11, 2019
Committee Consideration and Mark-up Session Held.
Jul 5, 2019
Referred to the House Committee on Financial Services.
Jul 5, 2019
Introduced in House
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 Plain-English summary Congressional Research Service

Free Credit Scores for Consumers Act of 2019

This bill requires credit reporting agencies to provide free credit scores to consumers with their free annual consumer reports. The bill also provides for automatic free credit scores and consumer reports in specified circumstances. Credit reporting agencies must provide consumers with additional information regarding the calculation of their credit score.

Specified lenders must give consumers free copies of any consumer reports and credit scores they used for underwriting before consumers sign the respective loan agreements.

What's happening now November 21, 2019

Placed on the Union Calendar, Calendar No. 247.

 Related & companion bills 1
  • HR 3621 Related bill Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020
 Bill text 2 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 1
All 1 Democratic 1
D
Cleaver, Emanuel
Missouri · Jul 15, 2019
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3618: Free Credit Scores for Consumers Act of 2019. 116th Congress. Open America. https://openamerica.io/bill/116-HR-3618/
MLA
"H.R. 3618: Free Credit Scores for Consumers Act of 2019." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-3618/.
Bluebook (legal)
H.R. 3618, 116th Cong. (2026), https://openamerica.io/bill/116-HR-3618/.
Markdown link
[H.R. 3618: Free Credit Scores for Consumers Act of 2019](https://openamerica.io/bill/116-HR-3618/)
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