H.R. 347 · 114th Congress
Facilitating Access to Credit Act of 2015
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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.
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RoyceSponsor15 cosponsors · 4 D, 11 R
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Hinojosa
WC
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Clay
MW
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Walters
DH
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Heck
MC
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Capuano
MM
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Mullin
SS
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Stivers
RP
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Pittenger
PS
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Sessions
RW
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Williams
SP
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Pearce
BP
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Posey
AW
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Wagner
JH
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Hill
RC
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Crawford1 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.
Amends the Credit Repair Organizations Act to exempt from its coverage any consumer reporting agency (or affiliate or subsidiary) described under the Fair Credit Reporting Act as:
What it does: CRS summary · Introduced in House · Jan 14, 2015
Facilitating Access to Credit Act of 2015
Amends the Credit Repair Organizations Act to exempt from its coverage any consumer reporting agency (or affiliate or subsidiary) described under the Fair Credit Reporting Act as:
- one that compiles and maintains files on consumers on a nationwide basis; or
- any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers in order to furnish consumer reports to third parties, if the person is subject to supervision and examination by the Consumer Financial Protection Bureau.
Preempts state law and regulations concerning a credit repair organization to the extent they would apply to consumer reporting agencies subject to this Act.
Directs the Federal Trade Commission to study whether, in addition to these persons, any other person should be exempt from the Credit Repair Organizations Act.
Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov
About this bill and sources
Official title: Facilitating Access to Credit Act of 2015
Latest action (Sep 27, 2016): Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.
Policy area: Finance and Financial Sector · Origin: House · Introduced: Jan 14, 2015
Official page on Congress.gov · Bill text (GovInfo) · Status record (XML)
No recorded floor vote found.