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HR 3622 116th Congress House Finance and Financial Sector Administrative law and regulatory procedures Aging Computer security and identity theft Consumer Financial Protection Bureau Consumer affairs Consumer credit Contracts and agency Crime victims Debt collection Fraud offenses and financial crimes Government information and archives Health care costs and insurance Higher education Housing finance and home ownership Military personnel and dependents Student aid and college costs

Restoring Unfairly Impaired Credit and Protecting Consumers Act

Introduced: July 5, 2019 Introduced by: Tlaib, Rashida Democratic · Michigan 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
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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 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.

What's happening now December 23, 2019

Placed on the Union Calendar, Calendar No. 287.

 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
Cite this page click to expand
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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