H.R. 5332 - 116th Congress (2019-2020) - Protecting Your Credit Score Act of 2020

Credit reporting agencies are directed to create a central online portal that allows consumers to (1) access free credit reports and credit scores, (2) dispute errors, and (3) place or lift security freezes.

Consumers will receive a free credit score when requesting a free annual credit report.

The bill establishes a public registry for credit reporting agencies. The bill also provides the Consumer Financial Protection Bureau (CFPB) with statutory authority for supervising credit reporting agencies.

A credit reporting ombudsperson is established at the CFPB, whose responsibilities include resolving persistent errors by credit reporting agencies.

A court may award injunctive relief to compel a credit reporting agency to comply with credit report protections.

Credit reporting agencies must provide available information to consumers regarding the purpose behind the procurement of a credit report.

The bill gives the CFPB the authority to establish data security requirements for credit reporting agencies.

The Government Accountability Office must report on the feasibility of credit reporting agencies replacing Social Security numbers as identifiers with another type of federal identification.

Text (4)

June 30, 2020

June 29, 2020

March 12, 2020

December 6, 2019

Amendments (1)

Jun 26, 2020

Agreed to in House

Sponsorship

House Amendment 818

Pursuant to the provisions of H.Res. 1017 the amendment in the nature of a substitute recommended by the Committee on Financial Services printed in the bill, modified by the amendment printed in Part C of House Report 116-436 is adopted.

Agreed To

Actions (24)

Show Only Major Actions

06/30/2020

Received in the Senate.

06/29/2020

Motion to reconsider laid on the table Agreed to without objection.

06/29/2020

On passage Passed by the Yeas and Nays: 234 - 179 (Roll no. 126). (text: 06/26/2020 CR H2559-2561)

06/29/2020

Passed/agreed to in House: On passage Passed by the Yeas and Nays: 234 - 179 (Roll no. 126).

06/29/2020

On motion to recommit with instructions Failed by the Yeas and Nays: 184 - 228 (Roll no. 125).

06/29/2020

Considered as unfinished business. (consideration: CR H2665-2667)

06/29/2020

POSTPONED PROCEEDINGS - At the conclusion of debate on the motion to recommit with instructions, the Chair put the question on the motion and by voice vote, announced that the noes had prevailed. Mr. Riggleman demanded the yeas and nays and the Chair postponed further consideration on the motion to recommit until a time to be announced.

06/29/2020

The previous question on the motion to recommit with instructions was ordered without objection.

06/29/2020

DEBATE - The House proceeded with 10 minutes of debate on the Riggleman motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment to strike section 3 from the bill and insert a new section prohibiting the use of social security numbers.

06/29/2020

Mr. Riggleman moved to recommit with instructions to the Committee on Financial Services. (text: CR H2663)

06/29/2020

Considered as unfinished business. (consideration: CR H2663-2664)

06/26/2020

POSTPONED PROCEEDINGS - Pursuant to clause 1(c) of Rule XIX, further proceedings on H.R. 5332 were postponed.

06/26/2020

The previous question was ordered pursuant to the rule.

06/26/2020

DEBATE - The House proceeded with one hour of debate on H.R. 5332.

06/26/2020

Rule provides for consideration of H.R. 1425, H.R. 5332, H.R. 7120, H.R. 7301 and H.J. Res. 90. The resolution provides that the provisions of section 125(c) of the Uruguay Round Agreements Act shall not apply during the remainder of the 116th Congress and the resolution amends H.Res. 967, agreed to on May 15, 2020.

06/26/2020

Considered under the provisions of rule H. Res. 1017. (consideration: CR H2559-2571)

06/24/2020

Rules Committee Resolution H. Res. 1017 Reported to House. Rule provides for consideration of H.R. 1425, H.R. 5332, H.R. 7120, H.R. 7301 and H.J. Res. 90. The resolution provides that the provisions of section 125(c) of the Uruguay Round Agreements Act shall not apply during the remainder of the 116th Congress and the resolution amends H.Res. 967, agreed to on May 15, 2020.

03/12/2020

Placed on the Union Calendar, Calendar No. 335.

03/12/2020

Reported (Amended) by the Committee on Financial Services. H. Rept. 116-416.

12/11/2019

Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 24.

12/11/2019

Committee Consideration and Mark-up Session Held.

12/10/2019

Committee Consideration and Mark-up Session Held.

12/06/2019

Referred to the House Committee on Financial Services.

12/06/2019

Introduced in House

Public Record

Record Updated

Oct 28, 2022 1:46:04 AM