Protecting Your Credit Score Act of 2020

Key: what the circles and colors mean

Each circle is a bill. The ring fills as it moves through Congress:

IntroducedPassed one chamberPassed both chambersBecame law (gold)Resolution agreed to (full, dark)Failed or vetoed (gray)

Under the number: the Yea · Nay count of its final (or latest) recorded vote. On a member's page, the small badge is how that member voted: Y Yea / Aye, N Nay / No, P Present, – Not voting.

Gold and violet are only for Yea and Nay; they never mean a party. A member's party is the letter on their photo.

D GottheimerSponsor

1 cosponsor · 1 R

R Reed

1 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.

House Introduced Dec 6, 2019
House Passed Jun 29, 2020 234–179

This bill revises provisions related to consumer credit reports and credit reporting agencies.

What it does: CRS summary · Passed House · Jun 29, 2020

Protecting Your Credit Score Act of 2020

This bill revises provisions related to consumer credit reports and credit reporting agencies.

(Sec. 2) 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.

(Sec. 3) Credit reporting agencies must verify specified identifying information when adding credit information to a consumer's file. Credit reporting agencies must also perform periodic audits of credit reports to ensure accuracy.

(Sec. 4) A credit reporting ombudsperson, whose responsibilities include resolving persistent errors by credit reporting agencies, is established at the Consumer Financial Protection Bureau (CFPB).

Credit reporting agencies must provide a consumer with additional information after an agency's reinvestigation of disputed credit information.

(Sec. 5) A court may award injunctive relief to compel a credit reporting agency to comply with credit report protections.

(Sec. 6) Consumers will receive a free credit score upon request and upon certain adverse credit decisions.

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

(Sec. 7) The bill establishes a public registry for credit reporting agencies.

(Sec. 8) The bill also provides the CFPB with statutory authority for supervising credit reporting agencies.

(Sec. 9) The bill gives the CFPB the authority to establish data security requirements for credit reporting agencies.

(Sec. 10) The CFPB must report on the effectiveness of specified audits in addressing data security risks at credit reporting agencies.

(Sec. 11) 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.

Member	Party at vote	Seat	Position
Don Young	R	AK-AL	Nay
Bradley Byrne	R	AL-1	Nay
Martha Roby	R	AL-2	Not Voting
Mike Rogers	R	AL-3	Nay
Robert Aderholt	R	AL-4	Nay
Mo Brooks	R	AL-5	Nay
Gary Palmer	R	AL-6	Nay
Terri Sewell	D	AL-7	Yea
Rick Crawford	R	AR-1	Nay
J. Hill	R	AR-2	Nay
Steve Womack	R	AR-3	Nay
Bruce Westerman	R	AR-4	Nay
Tom O’Halleran	D	AZ-1	Yea
Ann Kirkpatrick	D	AZ-2	Yea
Raúl Grijalva	D	AZ-3	Yea
Paul Gosar	R	AZ-4	Not Voting
Andy Biggs	R	AZ-5	Nay
David Schweikert	R	AZ-6	Nay
Ruben Gallego	D	AZ-7	Yea
Debbie Lesko	R	AZ-8	Nay
Greg Stanton	D	AZ-9	Yea
Doug LaMalfa	R	CA-1	Nay
Josh Harder	D	CA-10	Yea
Mark DeSaulnier	D	CA-11	Yea
Barbara Lee	D	CA-13	Yea
Jackie Speier	D	CA-14	Yea
Eric Swalwell	D	CA-15	Yea
Jim Costa	D	CA-16	Yea
Ro Khanna	D	CA-17	Yea
Anna Eshoo	D	CA-18	Yea
Zoe Lofgren	D	CA-19	Yea
Jared Huffman	D	CA-2	Yea
Jimmy Panetta	D	CA-20	Yea
TJ Cox	D	CA-21	Yea
Devin Nunes	R	CA-22	Nay
Kevin McCarthy	R	CA-23	Nay
Salud Carbajal	D	CA-24	Yea
Mike Garcia	R	CA-25	Nay
Julia Brownley	D	CA-26	Yea
Judy Chu	D	CA-27	Yea
Adam Schiff	D	CA-28	Yea
Tony Cárdenas	D	CA-29	Yea
John Garamendi	D	CA-3	Yea
Brad Sherman	D	CA-30	Yea
Pete Aguilar	D	CA-31	Yea
Grace Napolitano	D	CA-32	Yea
Ted Lieu	D	CA-33	Yea
Jimmy Gomez	D	CA-34	Yea
Norma Torres	D	CA-35	Yea
Raul Ruiz	D	CA-36	Yea
Karen Bass	D	CA-37	Yea
Linda Sánchez	D	CA-38	Yea
Gilbert Cisneros	D	CA-39	Yea
Tom McClintock	R	CA-4	Nay
Lucille Roybal-Allard	D	CA-40	Yea
Mark Takano	D	CA-41	Yea
Ken Calvert	R	CA-42	Nay
Maxine Waters	D	CA-43	Yea
Nanette Barragán	D	CA-44	Yea
Katie Porter	D	CA-45	Yea
J. Correa	D	CA-46	Yea
Alan Lowenthal	D	CA-47	Yea
Harley Rouda	D	CA-48	Yea
Mike Levin	D	CA-49	Yea
Mike Thompson	D	CA-5	Yea
Juan Vargas	D	CA-51	Yea
Scott Peters	D	CA-52	Yea
Susan Davis	D	CA-53	Yea
Doris Matsui	D	CA-6	Yea
Ami Bera	D	CA-7	Yea
Paul Cook	R	CA-8	Nay
Jerry McNerney	D	CA-9	Yea
Diana DeGette	D	CO-1	Yea
Joe Neguse	D	CO-2	Yea
Scott Tipton	R	CO-3	Nay
Ken Buck	R	CO-4	Nay
Doug Lamborn	R	CO-5	Nay
Jason Crow	D	CO-6	Yea
Ed Perlmutter	D	CO-7	Yea
John Larson	D	CT-1	Yea
Joe Courtney	D	CT-2	Yea
Rosa DeLauro	D	CT-3	Yea
Jim Himes	D	CT-4	Yea
Jahana Hayes	D	CT-5	Yea
Lisa Blunt Rochester	D	DE-AL	Yea
Matt Gaetz	R	FL-1	Nay
Val Demings	D	FL-10	Yea
Daniel Webster	R	FL-11	Nay
Gus Bilirakis	R	FL-12	Nay
Charlie Crist	D	FL-13	Yea
Kathy Castor	D	FL-14	Yea
Ross Spano	R	FL-15	Nay
Vern Buchanan	R	FL-16	Nay
W. Steube	R	FL-17	Nay
Brian Mast	R	FL-18	Yea
Francis Rooney	R	FL-19	Not Voting
Neal Dunn	R	FL-2	Nay
Alcee Hastings	D	FL-20	Yea
Lois Frankel	D	FL-21	Yea
Ted Deutch	D	FL-22	Yea
Debbie Wasserman Schultz	D	FL-23	Yea
Frederica Wilson	D	FL-24	Yea
Mario Diaz-Balart	R	FL-25	Nay
Debbie Mucarsel-Powell	D	FL-26	Yea
Donna Shalala	D	FL-27	Yea
Ted Yoho	R	FL-3	Nay
John Rutherford	R	FL-4	Nay
Al Lawson	D	FL-5	Yea
Michael Waltz	R	FL-6	Nay
Stephanie Murphy	D	FL-7	Yea
Bill Posey	R	FL-8	Nay
Darren Soto	D	FL-9	Yea
Buddy Carter	R	GA-1	Nay
Jody Hice	R	GA-10	Nay
Barry Loudermilk	R	GA-11	Not Voting
Rick Allen	R	GA-12	Nay
David Scott	D	GA-13	Yea
Tom Graves	R	GA-14	Nay
Sanford Bishop	D	GA-2	Yea
A. Ferguson	R	GA-3	Nay
Hank Johnson	D	GA-4	Yea
John Lewis	D	GA-5	Yea
Lucy McBath	D	GA-6	Yea
Rob Woodall	R	GA-7	Nay
Austin Scott	R	GA-8	Not Voting
Doug Collins	R	GA-9	Nay
Ed Case	D	HI-1	Yea
Tulsi Gabbard	D	HI-2	Yea
Abby Finkenauer	D	IA-1	Yea
David Loebsack	D	IA-2	Yea
Cynthia Axne	D	IA-3	Yea
Steve King	R	IA-4	Not Voting
Russ Fulcher	R	ID-1	Nay
Mike Simpson	R	ID-2	Nay
Bobby Rush	D	IL-1	Yea
Brad Schneider	D	IL-10	Yea
Bill Foster	D	IL-11	Yea
Mike Bost	R	IL-12	Nay
Rodney Davis	R	IL-13	Nay
Lauren Underwood	D	IL-14	Yea
John Shimkus	R	IL-15	Nay
Adam Kinzinger	R	IL-16	Nay
Cheri Bustos	D	IL-17	Yea
Darin LaHood	R	IL-18	Nay
Robin Kelly	D	IL-2	Yea
Daniel Lipinski	D	IL-3	Yea
Chuy García	D	IL-4	Yea
Mike Quigley	D	IL-5	Yea
Sean Casten	D	IL-6	Yea
Danny Davis	D	IL-7	Yea
Raja Krishnamoorthi	D	IL-8	Yea
Jan Schakowsky	D	IL-9	Yea
Peter Visclosky	D	IN-1	Yea
Jackie Walorski	R	IN-2	Nay
Jim Banks	R	IN-3	Nay
James Baird	R	IN-4	Nay
Susan Brooks	R	IN-5	Nay
Greg Pence	R	IN-6	Nay
André Carson	D	IN-7	Yea
Larry Bucshon	R	IN-8	Nay
Trey Hollingsworth	R	IN-9	Nay
Roger Marshall	R	KS-1	Nay
Steven Watkins	R	KS-2	Nay
Sharice Davids	D	KS-3	Yea
Ron Estes	R	KS-4	Nay
James Comer	R	KY-1	Nay
Brett Guthrie	R	KY-2	Not Voting
John Yarmuth	D	KY-3	Yea
Thomas Massie	R	KY-4	Nay
Hal Rogers	R	KY-5	Nay
Andy Barr	R	KY-6	Nay
Steve Scalise	R	LA-1	Nay
Cedric Richmond	D	LA-2	Yea
Clay Higgins	R	LA-3	Nay
Mike Johnson	R	LA-4	Nay
Ralph Abraham	R	LA-5	Not Voting
Garret Graves	R	LA-6	Nay
Richard Neal	D	MA-1	Yea
Jim McGovern	D	MA-2	Yea
Lori Trahan	D	MA-3	Yea
Joseph Kennedy	D	MA-4	Yea
Katherine Clark	D	MA-5	Yea
Seth Moulton	D	MA-6	Yea
Ayanna Pressley	D	MA-7	Yea
Stephen Lynch	D	MA-8	Yea
William Keating	D	MA-9	Yea
Andy Harris	R	MD-1	Nay
C. Ruppersberger	D	MD-2	Yea
John Sarbanes	D	MD-3	Yea
Anthony Brown	D	MD-4	Yea
Steny Hoyer	D	MD-5	Yea
David Trone	D	MD-6	Yea
Kweisi Mfume	D	MD-7	Yea
Jamie Raskin	D	MD-8	Yea
Chellie Pingree	D	ME-1	Yea
Jared Golden	D	ME-2	Yea
Jack Bergman	R	MI-1	Nay
Paul Mitchell	R	MI-10	Nay
Haley Stevens	D	MI-11	Yea
Debbie Dingell	D	MI-12	Yea
Rashida Tlaib	D	MI-13	Yea
Brenda Lawrence	D	MI-14	Yea
Bill Huizenga	R	MI-2	Nay
Justin Amash	I	MI-3	Nay
John Moolenaar	R	MI-4	Nay
Daniel Kildee	D	MI-5	Yea
Fred Upton	R	MI-6	Nay
Tim Walberg	R	MI-7	Nay
Elissa Slotkin	D	MI-8	Yea
Andy Levin	D	MI-9	Yea
Jim Hagedorn	R	MN-1	Nay
Angie Craig	D	MN-2	Yea
Dean Phillips	D	MN-3	Yea
Betty McCollum	D	MN-4	Yea
Ilhan Omar	D	MN-5	Yea
Tom Emmer	R	MN-6	Not Voting
Collin Peterson	D	MN-7	Nay
Pete Stauber	R	MN-8	Nay
Wm. Clay	D	MO-1	Yea
Ann Wagner	R	MO-2	Nay
Blaine Luetkemeyer	R	MO-3	Nay
Vicky Hartzler	R	MO-4	Nay
Emanuel Cleaver	D	MO-5	Yea
Sam Graves	R	MO-6	Nay
Billy Long	R	MO-7	Nay
Jason Smith	R	MO-8	Nay
Trent Kelly	R	MS-1	Nay
Bennie Thompson	D	MS-2	Yea
Michael Guest	R	MS-3	Nay
Steven Palazzo	R	MS-4	Not Voting
Greg Gianforte	R	MT-AL	Nay
G.K. Butterfield	D	NC-1	Yea
Patrick McHenry	R	NC-10	Nay
Alma Adams	D	NC-12	Yea
Ted Budd	R	NC-13	Nay
George Holding	R	NC-2	Nay
Gregory Murphy	R	NC-3	Nay
David Price	D	NC-4	Yea
Virginia Foxx	R	NC-5	Nay
Mark Walker	R	NC-6	Nay
David Rouzer	R	NC-7	Nay
Richard Hudson	R	NC-8	Nay
Dan Bishop	R	NC-9	Nay
Kelly Armstrong	R	ND-AL	Nay
Jeff Fortenberry	R	NE-1	Nay
Don Bacon	R	NE-2	Nay
Adrian Smith	R	NE-3	Nay
Chris Pappas	D	NH-1	Yea
Ann Kuster	D	NH-2	Yea
Donald Norcross	D	NJ-1	Yea
Donald Payne	D	NJ-10	Yea
Mikie Sherrill	D	NJ-11	Yea
Bonnie Watson Coleman	D	NJ-12	Yea
Jefferson Van Drew	R	NJ-2	Nay
Andy Kim	D	NJ-3	Yea
Chris Smith	R	NJ-4	Yea
Josh Gottheimer	D	NJ-5	Yea
Frank Pallone	D	NJ-6	Yea
Tom Malinowski	D	NJ-7	Yea
Albio Sires	D	NJ-8	Yea
Bill Pascrell	D	NJ-9	Yea
Debra Haaland	D	NM-1	Yea
Xochitl Torres Small	D	NM-2	Yea
Ben Luján	D	NM-3	Yea
Dina Titus	D	NV-1	Yea
Mark Amodei	R	NV-2	Nay
Susie Lee	D	NV-3	Yea
Steven Horsford	D	NV-4	Yea
Lee Zeldin	R	NY-1	Nay
Jerrold Nadler	D	NY-10	Yea
Max Rose	D	NY-11	Yea
Carolyn Maloney	D	NY-12	Yea
Adriano Espaillat	D	NY-13	Yea
Alexandria Ocasio-Cortez	D	NY-14	Yea
José Serrano	D	NY-15	Yea
Eliot Engel	D	NY-16	Yea
Nita Lowey	D	NY-17	Yea
Sean Maloney	D	NY-18	Yea
Antonio Delgado	D	NY-19	Yea
Pete King	R	NY-2	Nay
Paul Tonko	D	NY-20	Yea
Elise Stefanik	R	NY-21	Nay
Anthony Brindisi	D	NY-22	Yea
Tom Reed	R	NY-23	Yea
John Katko	R	NY-24	Not Voting
Joseph Morelle	D	NY-25	Yea
Brian Higgins	D	NY-26	Yea
Thomas Suozzi	D	NY-3	Yea
Kathleen Rice	D	NY-4	Yea
Gregory Meeks	D	NY-5	Yea
Grace Meng	D	NY-6	Yea
Nydia Velázquez	D	NY-7	Yea
Hakeem Jeffries	D	NY-8	Yea
Yvette Clarke	D	NY-9	Yea
Steve Chabot	R	OH-1	Nay
Michael Turner	R	OH-10	Nay
Marcia Fudge	D	OH-11	Yea
Troy Balderson	R	OH-12	Nay
Tim Ryan	D	OH-13	Yea
David Joyce	R	OH-14	Not Voting
Steve Stivers	R	OH-15	Nay
Anthony Gonzalez	R	OH-16	Nay
Brad Wenstrup	R	OH-2	Nay
Joyce Beatty	D	OH-3	Yea
Jim Jordan	R	OH-4	Nay
Robert Latta	R	OH-5	Nay
Bill Johnson	R	OH-6	Nay
Bob Gibbs	R	OH-7	Nay
Warren Davidson	R	OH-8	Nay
Marcy Kaptur	D	OH-9	Yea
Kevin Hern	R	OK-1	Nay
Markwayne Mullin	R	OK-2	Nay
Frank Lucas	R	OK-3	Nay
Tom Cole	R	OK-4	Nay
Kendra Horn	D	OK-5	Yea
Suzanne Bonamici	D	OR-1	Yea
Greg Walden	R	OR-2	Nay
Earl Blumenauer	D	OR-3	Yea
Peter DeFazio	D	OR-4	Yea
Kurt Schrader	D	OR-5	Yea
Brian Fitzpatrick	R	PA-1	Nay
Scott Perry	R	PA-10	Nay
Lloyd Smucker	R	PA-11	Nay
Fred Keller	R	PA-12	Nay
John Joyce	R	PA-13	Nay
Guy Reschenthaler	R	PA-14	Nay
Glenn Thompson	R	PA-15	Nay
Mike Kelly	R	PA-16	Nay
Conor Lamb	D	PA-17	Yea
Michael Doyle	D	PA-18	Yea
Brendan Boyle	D	PA-2	Yea
Dwight Evans	D	PA-3	Yea
Madeleine Dean	D	PA-4	Yea
Mary Scanlon	D	PA-5	Yea
Chrissy Houlahan	D	PA-6	Yea
Susan Wild	D	PA-7	Yea
Matt Cartwright	D	PA-8	Yea
Daniel Meuser	R	PA-9	Nay
David Cicilline	D	RI-1	Yea
Jim Langevin	D	RI-2	Yea
Joe Cunningham	D	SC-1	Yea
Joe Wilson	R	SC-2	Nay
Jeff Duncan	R	SC-3	Nay
William Timmons	R	SC-4	Nay
Ralph Norman	R	SC-5	Nay
Jim Clyburn	D	SC-6	Yea
Tom Rice	R	SC-7	Nay
Dusty Johnson	R	SD-AL	Nay
Phil Roe	R	TN-1	Nay
Tim Burchett	R	TN-2	Nay
Chuck Fleischmann	R	TN-3	Nay
Scott DesJarlais	R	TN-4	Nay
Jim Cooper	D	TN-5	Yea
John Rose	R	TN-6	Nay
Mark Green	R	TN-7	Nay
David Kustoff	R	TN-8	Nay
Steve Cohen	D	TN-9	Yea
Louie Gohmert	R	TX-1	Nay
Michael McCaul	R	TX-10	Nay
K. Conaway	R	TX-11	Nay
Kay Granger	R	TX-12	Not Voting
Mac Thornberry	R	TX-13	Nay
Randy Weber	R	TX-14	Not Voting
Vicente Gonzalez	D	TX-15	Yea
Veronica Escobar	D	TX-16	Yea
Bill Flores	R	TX-17	Nay
Sheila Jackson Lee	D	TX-18	Yea
Jodey Arrington	R	TX-19	Nay
Dan Crenshaw	R	TX-2	Nay
Joaquin Castro	D	TX-20	Yea
Chip Roy	R	TX-21	Nay
Pete Olson	R	TX-22	Nay
Will Hurd	R	TX-23	Nay
Kenny Marchant	R	TX-24	Not Voting
Roger Williams	R	TX-25	Nay
Michael Burgess	R	TX-26	Nay
Michael Cloud	R	TX-27	Nay
Henry Cuellar	D	TX-28	Yea
Sylvia Garcia	D	TX-29	Yea
Van Taylor	R	TX-3	Nay
Eddie Johnson	D	TX-30	Yea
John Carter	R	TX-31	Nay
Colin Allred	D	TX-32	Yea
Marc Veasey	D	TX-33	Yea
Filemon Vela	D	TX-34	Yea
Lloyd Doggett	D	TX-35	Yea
Brian Babin	R	TX-36	Nay
Lance Gooden	R	TX-5	Nay
Ron Wright	R	TX-6	Nay
Lizzie Fletcher	D	TX-7	Yea
Kevin Brady	R	TX-8	Nay
Al Green	D	TX-9	Yea
Rob Bishop	R	UT-1	Nay
Chris Stewart	R	UT-2	Nay
John Curtis	R	UT-3	Nay
Ben McAdams	D	UT-4	Yea
Robert Wittman	R	VA-1	Nay
Jennifer Wexton	D	VA-10	Yea
Gerald Connolly	D	VA-11	Yea
Elaine Luria	D	VA-2	Yea
Bobby Scott	D	VA-3	Yea
A. McEachin	D	VA-4	Yea
Denver Riggleman	R	VA-5	Nay
Ben Cline	R	VA-6	Nay
Abigail Spanberger	D	VA-7	Yea
Donald Beyer	D	VA-8	Yea
H. Griffith	R	VA-9	Nay
Peter Welch	D	VT-AL	Yea
Suzan DelBene	D	WA-1	Yea
Denny Heck	D	WA-10	Yea
Rick Larsen	D	WA-2	Yea
Jaime Herrera Beutler	R	WA-3	Nay
Dan Newhouse	R	WA-4	Nay
Cathy McMorris Rodgers	R	WA-5	Not Voting
Derek Kilmer	D	WA-6	Yea
Pramila Jayapal	D	WA-7	Yea
Kim Schrier	D	WA-8	Yea
Adam Smith	D	WA-9	Yea
Bryan Steil	R	WI-1	Nay
Mark Pocan	D	WI-2	Yea
Ron Kind	D	WI-3	Yea
Gwen Moore	D	WI-4	Yea
F. Sensenbrenner	R	WI-5	Nay
Glenn Grothman	R	WI-6	Nay
Thomas Tiffany	R	WI-7	Nay
Mike Gallagher	R	WI-8	Not Voting
David McKinley	R	WV-1	Nay
Alexander Mooney	R	WV-2	Nay
Carol Miller	R	WV-3	Nay
Liz Cheney	R	WY-AL	Nay

Protecting Your Credit Score Act of 2020

Votes to become law

Final vote · House · Jun 29, 2020