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HR 5332 116th Congress House Finance and Financial Sector Civil actions and liability Computer security and identity theft Congressional oversight Consumer Financial Protection Bureau Consumer credit Executive agency funding and structure Government information and archives Government studies and investigations Licensing and registrations

Protecting Your Credit Score Act of 2020

Introduced: December 6, 2019 Introduced by: Gottheimer, Josh Democratic · New Jersey See on congress.gov
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 Everywhere this bill has been 24 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jun 30, 2020
Received in the Senate.
Jun 29, 2020
Motion to reconsider laid on the table Agreed to without objection.
Jun 29, 2020
On passage Passed by the Yeas and Nays: 234 - 179 (Roll no. 126). (text: 06/26/2020 CR H2559-2561)
Jun 29, 2020
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 234 - 179 (Roll no. 126).
Jun 29, 2020
On motion to recommit with instructions Failed by the Yeas and Nays: 184 - 228 (Roll no. 125).
Jun 29, 2020
Considered as unfinished business. (consideration: CR H2665-2667)
Jun 29, 2020
POSTPONED PROCEEDINGS - At the conclusion of debate on the motion to recommit with instructions, the Chair put the question on the motion and by voice vote, announced that the noes had prevailed. Mr. Riggleman demanded the yeas and nays and the Chair postponed further consideration on the motion to recommit until a time to be announced.
Jun 29, 2020
The previous question on the motion to recommit with instructions was ordered without objection.
Jun 29, 2020
DEBATE - The House proceeded with 10 minutes of debate on the Riggleman motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment to strike section 3 from the bill and insert a new section prohibiting the use of social security numbers.
Jun 29, 2020
Considered as unfinished business. (consideration: CR H2663-2664)
Jun 29, 2020
Mr. Riggleman moved to recommit with instructions to the Committee on Financial Services. (text: CR H2663)
Jun 26, 2020
POSTPONED PROCEEDINGS - Pursuant to clause 1(c) of Rule XIX, further proceedings on H.R. 5332 were postponed.
Jun 26, 2020
DEBATE - The House proceeded with one hour of debate on H.R. 5332.
Jun 26, 2020
The previous question was ordered pursuant to the rule.
Jun 26, 2020
Rule provides for consideration of H.R. 1425, H.R. 5332, H.R. 7120, H.R. 7301 and H.J. Res. 90. The resolution provides that the provisions of section 125(c) of the Uruguay Round Agreements Act shall not apply during the remainder of the 116th Congress and the resolution amends H.Res. 967, agreed to on May 15, 2020.
Jun 26, 2020
Considered under the provisions of rule H. Res. 1017. (consideration: CR H2559-2571)
Jun 24, 2020
Rules Committee Resolution H. Res. 1017 Reported to House. Rule provides for consideration of H.R. 1425, H.R. 5332, H.R. 7120, H.R. 7301 and H.J. Res. 90. The resolution provides that the provisions of section 125(c) of the Uruguay Round Agreements Act shall not apply during the remainder of the 116th Congress and the resolution amends H.Res. 967, agreed to on May 15, 2020.
Mar 12, 2020
Placed on the Union Calendar, Calendar No. 335.
Mar 12, 2020
Reported (Amended) by the Committee on Financial Services. H. Rept. 116-416.
Dec 11, 2019
Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 24.
Dec 11, 2019
Committee Consideration and Mark-up Session Held.
Dec 10, 2019
Committee Consideration and Mark-up Session Held.
Dec 6, 2019
Referred to the House Committee on Financial Services.
Dec 6, 2019
Introduced in House
 Votes taken on this bill 2
DateChamberWhat was voted onResultYes–No
Jun 29, 2020 House · vote #126 On Passage Passed 234–179 See who voted →
Jun 29, 2020 House · vote #125 On Motion to Recommit with Instructions Failed 184–228 See who voted →
 Plain-English summary Congressional Research Service

Protecting Your Credit Score Act of 2020

This bill revises provisions related to consumer credit reports and credit reporting agencies.

(Sec. 2) Credit reporting agencies are directed to create a central online portal that allows consumers to (1) access free credit reports and credit scores, (2) dispute errors, and (3) place or lift security freezes.

(Sec. 3) Credit reporting agencies must verify specified identifying information when adding credit information to a consumer's file. Credit reporting agencies must also perform periodic audits of credit reports to ensure accuracy.

(Sec. 4) A credit reporting ombudsperson, whose responsibilities include resolving persistent errors by credit reporting agencies, is established at the Consumer Financial Protection Bureau (CFPB).

Credit reporting agencies must provide a consumer with additional information after an agency's reinvestigation of disputed credit information.

(Sec. 5) A court may award injunctive relief to compel a credit reporting agency to comply with credit report protections.

(Sec. 6) Consumers will receive a free credit score upon request and upon certain adverse credit decisions.

Credit reporting agencies must provide available information to consumers regarding the purpose behind the procurement of a credit report.

(Sec. 7) The bill establishes a public registry for credit reporting agencies.

(Sec. 8) The bill also provides the CFPB with statutory authority for supervising credit reporting agencies.

(Sec. 9) The bill gives the CFPB the authority to establish data security requirements for credit reporting agencies.

(Sec. 10) The CFPB must report on the effectiveness of specified audits in addressing data security risks at credit reporting agencies.

(Sec. 11) The Government Accountability Office must report on the feasibility of credit reporting agencies replacing Social Security numbers as identifiers with another type of federal identification.

What's happening now June 30, 2020

Received in the Senate.

 Committees of jurisdiction 1