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HR 4078 117th Congress House Finance and Financial Sector

Free Credit Scores for Consumers Act of 2021

Introduced: June 23, 2021 Introduced by: Beatty, Joyce Democratic · Ohio See on congress.gov
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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
Jun 23, 2021
Referred to the House Committee on Financial Services.
Jun 23, 2021
Introduced in House
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 Plain-English summary Congressional Research Service

Free Credit Scores for Consumers Act of 2021

This bill requires credit reporting agencies to provide free credit scores to consumers with their free annual consumer reports. The bill also provides for automatic free credit scores and consumer reports in specified circumstances. Credit reporting agencies must provide consumers with additional information regarding the calculation of their credit score.

Specified lenders must give consumers free copies of any consumer reports and credit scores they used for underwriting before consumers sign the respective loan agreements.

What's happening now June 23, 2021

Referred to the House Committee on Financial Services.

 Related & companion bills 1
  • HR 4120 Related bill Comprehensive CREDIT Act of 2021
 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. 4078: Free Credit Scores for Consumers Act of 2021. 117th Congress. Open America. https://openamerica.io/bill/117-HR-4078/
MLA
"H.R. 4078: Free Credit Scores for Consumers Act of 2021." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-HR-4078/.
Bluebook (legal)
H.R. 4078, 117th Cong. (2026), https://openamerica.io/bill/117-HR-4078/.
Markdown link
[H.R. 4078: Free Credit Scores for Consumers Act of 2021](https://openamerica.io/bill/117-HR-4078/)
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