H.R. 4313: Fair Credit Reporting for Servicemembers Act

115th Congress · introduced 2017-11-08 · Finance and Financial Sector · Latest: Referred to the House Committee on Financial Services.

federal

Follow this bill, step by step

Where it came from: introduced 2017-11-08 · official record
Who proposed it: Rep. Sánchez, Linda T. [D-CA-38] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
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.
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

Fair Credit Reporting for Servicemembers Act

Plain summary

Fair Credit Reporting for Servicemembers Act This bill amends the Fair Credit Reporting Act to: (1) specify that to be considered an active duty military consumer, a consumer must be assigned away from the usual duty station for a period of at least 90 days, and (2) allow a consumer to provide proof to a consumer reporting agency that an adverse credit report item occurred while on active duty. The bill requires a consumer reporting agency to provide an active duty military consumer's relevant active duty status on adverse credit report items. A consumer reporting agency must issue alerts to an active duty military consumer regarding negative information received about that consumer. The bill expresses the sense of Congress that users of consumer reports should take into account active duty military status when evaluating a consumer's creditworthiness.

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

Fair Credit Reporting for Servicemembers Act

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

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

Officials and money

Sponsor: Rep. Sánchez, Linda T. [D-CA-38] · 0 cosponsors

Cost estimate: No cost estimate published yet.

Sponsor's campaign money: Rep. Sánchez, Linda T. [D-CA-38] reported raising $1.9 million (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

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.

Words on this page, explained (1)

Bill: A proposed law. It becomes law only if it passes the legislature and is signed by the president or governor (or a veto is overridden).

Plain meanings written from linked sources. All words.

Sources

Congressional Research Service summary (Introduced in House)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-115hr4313.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/115/hr>

Record fed-us-cong115-hr4313 · catalog fed-us-congress-bills-cong115 · updated 2026-11-15 by psicol fed-bills-cong115