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HR 4115 117th Congress House Finance and Financial Sector

Restoring Unfairly Impaired Credit and Protecting Consumers Act

Introduced: June 24, 2021 Introduced by: Tlaib, Rashida Democratic · Michigan 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 24, 2021
Referred to the House Committee on Financial Services.
Jun 24, 2021
Introduced in House
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 Plain-English summary Congressional Research Service

Restoring Unfairly Impaired Credit and Protecting Consumers Act

This bill revises requirements regarding consumer credit information included by a consumer reporting agency on a credit report, including by

  • requiring removal of adverse information that resulted from specified fraudulent lending activity,
  • shortening the time period adverse information stays on reports, and
  • limiting the inclusion of certain medical debt on reports.

The bill also requires a consumer reporting agency to provide free credit monitoring and identity theft protection services to certain consumers, including victims of fraud, active duty military, and those 65 years of age and older.

What's happening now June 24, 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
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4115: Restoring Unfairly Impaired Credit and Protecting Consumers Act. 117th Congress. Open America. https://openamerica.io/bill/117-HR-4115/
MLA
"H.R. 4115: Restoring Unfairly Impaired Credit and Protecting Consumers Act." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-HR-4115/.
Bluebook (legal)
H.R. 4115, 117th Cong. (2026), https://openamerica.io/bill/117-HR-4115/.
Markdown link
[H.R. 4115: Restoring Unfairly Impaired Credit and Protecting Consumers Act](https://openamerica.io/bill/117-HR-4115/)
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