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H.R. 3622 116th Congress House

Restoring Unfairly Impaired Credit and Protecting Consumers Act

Official title: To amend the Fair Credit Reporting act to restore the impaired credit of victims of predatory activities and unfair consumer reporting practices, to expand acc… Show full official titleShow less

Official title: To amend the Fair Credit Reporting act to restore the impaired credit of victims of predatory activities and unfair consumer reporting practices, to expand access to tools to protect vulnerable consumers from identity theft, fraud, or a related crime, and protect victims from further harm, and for other purposes.

Introduced: July 5, 2019 Introduced by: Rashida Tlaib Democratic · Michigan See on congress.gov
Finance and Financial Sector Administrative law and regulatory proceduresAgingComputer security and identity theftConsumer Financial Protection Bureau
More subjectsShow fewer subjects
Consumer affairsConsumer creditContracts and agencyCrime victimsDebt collectionFraud offenses and financial crimesGovernment information and archivesHealth care costs and insuranceHigher educationHousing finance and home ownershipMilitary personnel and dependentsStudent aid and college costs
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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
Dec 23, 2019
Placed on the Union Calendar, Calendar No. 287.
Dec 23, 2019
Reported (Amended) by the Committee on Financial Services. H. Rept. 116-362.
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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 Latest action December 23, 2019

Placed on the Union Calendar, Calendar No. 287.

 Plain-English summary Congressional Research Service

Restoring Unfairly Impaired Credit and Protecting Consumers Act

This bill revises requirements regarding consumer credit information included by a consumer reporting agency on a credit report, including by

  • requiring removal of adverse information that resulted from specified fraudulent lending activity,
  • shortening the time period adverse information stays on reports, and
  • limiting the inclusion of certain medical debt on reports.

The bill also requires a consumer reporting agency to provide free credit monitoring and identity theft protection services to certain consumers, including victims of fraud, active duty military, and those 65 years of age and older.

 Related & companion bills 2
  • HR 4115 Reintroduced Bill Restoring Unfairly Impaired Credit and Protecting Consumers Act
  • HR 3621 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
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APA
U.S. Congress. (2026). H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act. 116th Congress. Open America. https://openamerica.io/bill/116-HR-3622/
MLA
"H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-3622/.
Bluebook (legal)
H.R. 3622, 116th Cong. (2026), https://openamerica.io/bill/116-HR-3622/.
Markdown link
[H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act](https://openamerica.io/bill/116-HR-3622/)
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