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S. 4144 119th Congress Senate

ESCRA Act

Official title: A bill to amend the Credit Repair Organizations Act to add additional protections against harmful practices within the credit repair organization industry, and for other purposes.

Introduced: March 19, 2026 Introduced by: Christopher A. Coons Democratic · Delaware See on congress.gov
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 19, 2026
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Mar 19, 2026
Introduced in Senate
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What's happening now March 19, 2026

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

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 23

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

  • EMERGENT STRATEGIES
    for LEXINGTON LAW · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • EMERGENT STRATEGIES
    for CREDIT.COM (FORMERLY KNOWN AS PROGREXION ASG) · Utah · 3rd Quarter 2026 (July 1 - Sep 30)
  • ACA INTERNATIONAL
    for ACA INTERNATIONAL · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • AMERICAN BANKERS ASSOCIATION
    for AMERICAN BANKERS ASSOCIATION · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • AMERICAN FINTECH COUNCIL
    for AMERICAN FINTECH COUNCIL · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
  • PLURUS STRATEGIES, LLC
    for AMERICAN FINANCIAL SERVICES ASSOCIATION · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 23 filings →
Cite this page click to expand
APA
U.S. Congress. (2026). S. 4144: ESCRA Act. 119th Congress. Open America. https://openamerica.io/bill/119-S-4144/
MLA
"S. 4144: ESCRA Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-4144/.
Bluebook (legal)
S. 4144, 119th Cong. (2026), https://openamerica.io/bill/119-S-4144/.
Markdown link
[S. 4144: ESCRA Act](https://openamerica.io/bill/119-S-4144/)
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