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S 4471 116th Congress Senate Finance and Financial Sector Civil actions and liability Consumer credit Judicial procedure and administration Landlord and tenant Specialized courts

Tenant Protection Act

Introduced: August 6, 2020 Introduced by: Booker, Cory A. Democratic · New Jersey See on congress.gov
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 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Aug 6, 2020
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Aug 6, 2020
Introduced in Senate
 Plain-English summary Congressional Research Service

Tenant Protection Act

This bill prohibits a credit reporting agency from creating a report containing a landlord-tenant court or other housing court record unless

  • the case resulted in a judgment of possession,
  • the decision is not being appealed, and
  • the record is not more than three years old.

If a person takes an adverse action against a consumer based upon a housing court record contained in a credit report, the person must provide the consumer a free copy of the report.

A person who willfully creates a credit report that contains an inaccurate housing record is civilly liable to the consumer.

The Consumer Financial Protection Bureau must (1) issue regulations that direct tenant rating agencies to create a central source for consumers to obtain reports and submit disputes, and (2) report on tenant rating agency compliance.

What's happening now August 6, 2020

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Committees of jurisdiction 1