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.
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
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Bill text
1 version
- Introduced in Senate Formatted Text PDF Formatted XML
Committees of jurisdiction
1
Lobbying activity
23
- EMERGENT STRATEGIES
- EMERGENT STRATEGIES
- ACA INTERNATIONAL
- AMERICAN BANKERS ASSOCIATION
- AMERICAN FINTECH COUNCIL
- PLURUS STRATEGIES, LLC
Bodies those filers lobbied
- HOUSE OF REPRESENTATIVES
- SENATE
- Federal Trade Commission (FTC)
- Consumer Financial Protection Bureau (CFPB)
- Federal Communications Commission (FCC)
- Treasury, Dept of
- White House Office
- Federal Reserve System
Cosponsors
2
Cite this page
U.S. Congress. (2026). S. 4144: ESCRA Act. 119th Congress. Open America. https://openamerica.io/bill/119-S-4144/
"S. 4144: ESCRA Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-S-4144/.
S. 4144, 119th Cong. (2026), https://openamerica.io/bill/119-S-4144/.
[S. 4144: ESCRA Act](https://openamerica.io/bill/119-S-4144/)