H.R. 1514 · 114th Congress
CRAM
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Never voted on. It didn't reach a floor vote before the 114th Congress ended, so it expired. A bill has to be introduced again to be considered in a new Congress.
D
SánchezSponsor13 cosponsors · 11 D, 2 R
D
Bordallo
WC
D
Clay
RG
D
Grijalva
RH
D
Hinojosa
JL
D
Langevin
DL
R
Lamborn
JM
D
McGovern
GN
D
Napolitano
RN
R
Nugent
SP
D
Peters
CR
D
Rangel
MT
D
Takano
CB
D
Bustos12 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.
Amends the Fair Credit Reporting Act with respect to an item of adverse information about an active duty military consumer.
What it does: CRS summary · Introduced in House · Mar 19, 2015
Credit Reporting Act for Military Families or the CRAM
Amends the Fair Credit Reporting Act with respect to an item of adverse information about an active duty military consumer.
Redefines "active duty military consumer" as one who is assigned to service away from the usual duty station for a period of not less than 90 days.
Declares that, if the action or inaction that gave rise to the item occurred while the consumer was an active duty military consumer, then: (1) the consumer may provide appropriate proof, including official orders, to a consumer reporting agency that the consumer was an active duty military consumer at the time the action or inaction occurred; and (2) any consumer report made by the agency including that item of information shall clearly and conspicuously disclose that the consumer was an active duty military consumer when the action or inaction that gave rise to the item occurred.
Requires a consumer reporting agency to notify promptly an active duty military consumer whenever it receives an item of adverse information about him or her, along with a description of the item and the method by which the consumer can dispute the validity of the item.
Requires an agency also to use any separate contact information an active duty military consumer has given it for all communications while the individual is an active duty military consumer.
Declares the sense of Congress that any person making use of a consumer report containing an item of adverse information that occurred while the consumer was an active duty military consumer should take that fact into account when evaluating the consumer's creditworthiness.
Requires a consumer reporting agency, with respect to an item of information under dispute by an active duty military consumer, to include in the consumer's file that he or she was an active duty military consumer at the time the action or inaction that gave rise to the disputed item occurred.
Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov
About this bill and sources
Official title: CRAM
Also known as: Credit Reporting Act for Military Families
Latest action (Mar 19, 2015): Referred to the House Committee on Financial Services.
Policy area: Finance and Financial Sector · Origin: House · Introduced: Mar 19, 2015
Official page on Congress.gov · Bill text (GovInfo) · Status record (XML)
No recorded floor vote found.