H.R. 3642: Improving Credit Reporting for All Consumers Act

116th Congress · introduced 2019-07-09 · Finance and Financial Sector · Latest: Placed on the Union Calendar, Calendar No. 288.

federal

Follow this bill, step by step

Where it came from: introduced 2019-07-09 · official record
Who proposed it: Rep. Adams, Alma S. [D-NC-12] · what a sponsor is
What happened next: no floor votes in our records yet. Why?
Where it stands now: Placed on the Union Calendar, Calendar No. 288. 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

Improving Credit Reporting for All Consumers Act

Plain summary

Improving Credit Reporting for All Consumers Act This bill generally modifies requirements related to consumer credit reporting. Specifically, it revises the dispute process for consumers challenging information contained on their credit report, establishes an appeals process for disputed information, and establishes the right to injunctive relief. The bill also requires additional disclosures from credit reporting agencies and furnishers of credit information, prohibits automatic renewals for promotional consumer credit products and services, and makes other related changes. Additionally, the bill directs the Consumer Financial Protection Bureau to issue rules under this bill, including rules to provide for (1) accuracy and completeness in credit reports; (2) access to consumer reporting information for nonnative English speakers, the visually impaired, and the hearing impaired; and (3) the registration of consumer reporting agencies.

Congressional Research Service summary (Reported to 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

Improving Credit Reporting for All Consumers Act

Source: Congressional Research Service summary (Reported to House)

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The strongest published arguments

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Alternatives

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

Officials and money

Sponsor: Rep. Adams, Alma S. [D-NC-12] · 0 cosponsors

Cost estimate: CBO cost estimate: H.R. 3642, Improving Credit Reporting for All Consumers Act (2019-12-20)

Sponsor's campaign money: Rep. Adams, Alma S. [D-NC-12] reported raising $483,375 (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 (2)

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).
Rulemaking: The process agencies use to write regulations that carry out laws passed by Congress or a legislature. Usually an agency publishes a proposed rule, takes public comments, then publishes a final rule.

Plain meanings written from linked sources. All words.

Sources

Congressional Research Service summary (Reported to House)
Congress.gov
Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-116hr3642.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/116/hr>

Record fed-us-cong116-hr3642 · catalog fed-us-congress-bills-cong116 · updated 2026-11-15 by psicol fed-bills-cong116