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HR 1645 117th Congress House

Protecting Consumer Access to Credit Act

Official title: To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes.

Introduced: March 8, 2021 See on congress.gov
Finance and Financial Sector Banking and financial institutions regulationBusiness recordsComputer security and identity theftCongressional oversight
More subjectsShow fewer subjects
Consumer Financial Protection BureauConsumer affairsConsumer creditCrime victimsDebt collectionFraud offenses and financial crimesGovernment information and archivesGovernment studies and investigationsHealth care costs and insuranceHigher educationHousing finance and home ownershipSocial security and elderly assistanceStudent aid and college costs
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This bill died when the 117th Congress ended
It never became law before the 117th Congress (2021–2022) 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
Mar 8, 2021
Referred to the House Committee on Financial Services.
Mar 8, 2021
Introduced in House
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 Latest action March 8, 2021

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Protecting Consumer Access to Credit Act

This bill revises requirements related to credit reporting agencies and the reporting of adverse credit information.

Credit reporting agencies are prohibited from using social security numbers in credit reports and as a method of verifying a consumer's identity.

The Consumer Financial Protection Bureau must supervise and examine the cybersecurity of certain credit reporting agencies.

The bill prohibits a credit reporting agency from reporting paid, medically-necessary debt if the debt was paid over a year prior. A credit reporting agency is also prohibited from reporting certain adverse credit information related to financial abuse, unfair or fraudulent mortgage lending, or fraudulent private student lending.

The bill extends the time credit reporting agencies have to place a credit security freeze when receiving such a request by phone or through electronic means from one to three business days. It also extends the time agencies have to remove a freeze from one hour to three days.

 Related & companion bills 1
  • HR 3821 Reintroduction of To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protec…
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 1645: Protecting Consumer Access to Credit Act. 117th Congress. Open America. https://openamerica.io/bill/117-HR-1645/
MLA
"H.R. 1645: Protecting Consumer Access to Credit Act." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-HR-1645/.
Bluebook (legal)
H.R. 1645, 117th Cong. (2026), https://openamerica.io/bill/117-HR-1645/.
Markdown link
[H.R. 1645: Protecting Consumer Access to Credit Act](https://openamerica.io/bill/117-HR-1645/)
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