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H.R. 4743 118th Congress House

RING Act of 2023

Official title: To require creditors to establish a phone line to assist obligors who are 50 years of age and older to resolve billing errors, and for other purposes.

Introduced: July 19, 2023 Introduced by: Kweisi Mfume Democratic · Maryland See on congress.gov
Finance and Financial Sector
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This bill died when the 118th Congress ended
It never became law before the 118th Congress (2023–2024) 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
Jul 19, 2023
Referred to the House Committee on Financial Services.
Jul 19, 2023
Introduced in House
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 Latest action July 19, 2023

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Reporting Instances of Non-authorized Grift Act of 2023 or the RING Act of 2023

This bill requires creditors to establish a hotline for assisting consumers who are 50 years of age or older to resolve billing errors and mitigate fraud. Consumers who call the hotline must have the option to receive assistance from a live English- or Spanish-speaking individual and not from an automated system.  

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 7
All 7 Democratic 2 Republican 3
R
Buchanan, Vern
Florida · Jul 19, 2023
 R
Fitzpatrick, Brian K.
Pennsylvania · Jul 19, 2023
 D
Gottheimer, Josh
New Jersey · Jul 19, 2023
 D
Kim, Andy
New Jersey · Jul 19, 2023
Porter, Katie
· Jul 19, 2023
 R
Salazar, Maria Elvira
Florida · Jul 19, 2023
Trone, David
· Jul 19, 2023
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4743: RING Act of 2023. 118th Congress. Open America. https://openamerica.io/bill/118-HR-4743/
MLA
"H.R. 4743: RING Act of 2023." 118th Congress, 2026, Open America, https://openamerica.io/bill/118-HR-4743/.
Bluebook (legal)
H.R. 4743, 118th Cong. (2026), https://openamerica.io/bill/118-HR-4743/.
Markdown link
[H.R. 4743: RING Act of 2023](https://openamerica.io/bill/118-HR-4743/)
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