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H.R. 5743: Protecting Homeowners' Credit History Act of 2010

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H.R. 5743: Protecting Homeowners' Credit History Act of 2010

111th Congress · introduced 2010-07-15 · Finance and Financial Sector · Latest: Referred to the House Committee on Financial Services.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2010-07-15 · official record
  2. Who proposed it: Rep. Speier, Jackie [D-CA-12] · what a sponsor is
  3. What happened next: no floor votes in our records yet. Why?
  4. Where it stands now: Referred to the House Committee on Financial Services. Not final yet: this can still change. We check for updates every day.
  5. If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Protecting Homeowners' Credit History Act of 2010

Plain summary

Protecting Homeowners' Credit History Act of 2010 - Amends the Fair Credit Reporting Act to prohibit a person from furnishing to a consumer reporting agency any negative information resulting from the modification of the terms of a consumer loan secured by one to four units of residential real property, including any agreement to reduce the amount of the payments for the loan or to reduce the principal amount of such loan. Prohibits a person, in calculating any consumer's credit score, from producing a less favorable credit score on the basis of any information resulting from the modification of the terms of a consumer loan secured by one to four units of residential real property, including any such agreement as well.

Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Protecting Homeowners' Credit History Act of 2010

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

Arguments for (supporters)

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Arguments against (opponents)

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Alternatives

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Speier, Jackie [D-CA-12] · 7 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Judy Chu (D-CA), Dina Titus (D-NV), Marcy Kaptur (D-OH)

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Sources

Record fed-us-cong111-hr5743 · catalog fed-us-congress-bills-cong111 · updated 2026-11-15 by psicol fed-bills-cong111