US HR6370

Bill

US HR6370

Disaster Protection for Workers’ Credit Act

Introduced
03/23/2020

In Committee
03/23/2020

Crossed Over

Passed

Dead
12/31/2020

Introduced Session

116th Congress

Bill Summary

To amend the Fair Credit Reporting Act to provide for disaster protection for workers' credit. This bill provides credit protections to consumers during the COVID-19 (i.e., coronavirus disease 2019) outbreak and other major disasters. The bill generally prohibits furnishers of credit information from reporting adverse credit information that is the result of any inaction or action that occurred during the COVID-19 outbreak. It also prohibits any such reporting regarding a consumer who resides in an area covered by a major disaster declaration. Additionally, medical debt related to the COVID-19 outbreak or a major disaster may not be reported to a consumer reporting agency regardless of when the expenses were incurred. Credit reporting agencies are prohibited from including in a credit report any such adverse credit information. The Consumer Financial Protection Bureau must create a website that allows consumers to report economic hardship as a result of the COVID-19 outbreak or a major disaster. Consumers may request the deletion of adverse credit information and request an extension of certain credit protections. Credit reporting agencies must provide unlimited free credit reports and free credit scores upon request (1) during the COVID-19 outbreak or a major disaster, and (2) for a year afterwards. The bill places restrictions on new credit scoring models created or implemented during the COVID-19 outbreak or a major disaster.

AI Summary

This bill provides credit protections to consumers during the COVID-19 outbreak and other major disasters. It prohibits furnishers of credit information from reporting adverse credit information that is the result of any action or inaction that occurred during the COVID-19 outbreak or a major disaster. It also bans the reporting of medical debt related to the COVID-19 outbreak or a major disaster, regardless of when the expenses were incurred. The bill requires credit reporting agencies to provide unlimited free credit reports and free credit scores upon request during the COVID-19 outbreak or a major disaster, and for a year afterwards. It also places restrictions on new credit scoring models created or implemented during the COVID-19 outbreak or a major disaster.

Committee Categories

Business and Industry

Sponsors (15)

Brad Sherman (D)*, Suzanne Bonamici (D), David Cicilline (D), Lacy Clay (D), Steve Cohen (D), Lou Correa (D), Dwight Evans (D), Chuy García (D), Al Green (D), James Langevin (D), Al Lawson (D), Ted Lieu (D), Carolyn Maloney (D), Eleanor Holmes Norton (D), Maxine Waters (D),

Last Action

Referred to the House Committee on Financial Services. (on 03/23/2020)

Official Document

https://www.congress.gov/bill/116th-congress/house-bill/6370/all-info

(5 Companion Bills)

Version:

Document Type	Source Location
State Bill Page	https://www.congress.gov/bill/116th-congress/house-bill/6370/all-info
BillText	https://www.congress.gov/116/bills/hr6370/BILLS-116hr6370ih.pdf
Bill	https://www.congress.gov/116/bills/hr6370/BILLS-116hr6370ih.pdf.pdf

Bill	Bill Name	Last Action	Type
HR6321	Financial Protections and Assistance for America’s Consumers, States, Businesses, and Vulnerable Populations Act	Referred to the Committee on Financial Services, and in addition to the Committees on Ways and Means, Education and Labor, Small Business, the Judiciary, and Agriculture, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.	Related
HR6379	Take Responsibility for Workers and Families Act Workforce Emergency Response Act of 2020	Referred to the Committee on Appropriations, and in addition to the Committees on the Budget, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.	Related
HR6800	The Heroes Act	Committee on Small Business and Entrepreneurship. Hearings held.	Related
HRes967	Providing for consideration of the resolution (H. Res. 965) authorizing remote voting by proxy in the House of Representatives and providing for official remote committee proceedings during a public health emergency due to a novel coronavirus, and for other purposes; providing for consideration of the bill (H.B. 6800) making emergency supplemental appropriations for the fiscal year ending September 30, 2020, and for other purposes; providing for proceedings during the period from May 19, 2020, t	Motion to reconsider laid on the table Agreed to without objection.	Similar To
S3508	Disaster Protection for Workers’ Credit Act of 2020	Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.	Related

Bill > HR6370

summary

Introduced Session

Bill Summary

AI Summary

Committee Categories

Sponsors (15)

Last Action

Official Document

bill text

bill summary

bill summary

bill summary