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S 2685 116th Congress Senate Finance and Financial Sector Computer security and identity theft Congressional oversight Consumer credit Credit and credit markets Government studies and investigations

Consumer Credit Control Act of 2019

Introduced: October 23, 2019 Introduced by: Reed, Jack Democratic · Rhode Island 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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 23, 2019
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S6094)
Oct 23, 2019
Introduced in Senate
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 Plain-English summary Congressional Research Service

Consumer Credit Control Act of 2019

This bill requires a consumer's affirmative informed consent before a consumer reporting agency may share that consumer's report with third parties for specified purposes. A consumer reporting agency must verify a consumer's identity when obtaining this consent. (Currently, this sharing is generally allowed unless a consumer opts out.)

If the consumer provides consent, a consumer reporting agency may share information with a third party for

  • an extension of credit, or
  • the underwriting of insurance.

A consumer reporting agency may provide a consumer report in connection with transactions not initiated by the consumer only if

  • the consumer provides affirmative consent, and
  • the transaction consists of a firm offer of credit or insurance.

The Government Accountability Office must report on how best to protect information collected in consumer files.

Consumer reporting agencies may not charge consumers fees in connection with furnishing consumer reports.

The bill requires consumer reporting agencies to use reasonable efforts to prevent data breaches of consumer reports.

What's happening now October 23, 2019

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S6094)

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 1
All 1 Democratic 1
D
Van Hollen, Chris
Maryland · Oct 23, 2019
Cite this page click to expand
APA
U.S. Congress. (2026). S. 2685: Consumer Credit Control Act of 2019. 116th Congress. Open America. https://openamerica.io/bill/116-S-2685/
MLA
"S. 2685: Consumer Credit Control Act of 2019." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-S-2685/.
Bluebook (legal)
S. 2685, 116th Cong. (2026), https://openamerica.io/bill/116-S-2685/.
Markdown link
[S. 2685: Consumer Credit Control Act of 2019](https://openamerica.io/bill/116-S-2685/)
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