PSI Sci
New here? Follow the money and the votes · Not sure of your district? Find your U.S. House member · Find your state legislators

H.R. 5332: Protecting Your Credit Score Act of 2020

Before you vote › Federal bills

H.R. 5332: Protecting Your Credit Score Act of 2020

116th Congress · introduced 2019-12-06 · Finance and Financial Sector · Latest: Received in the Senate.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2019-12-06 · official record
  2. Who proposed it: Rep. Gottheimer, Josh [D-NJ-5] · what a sponsor is
  3. What happened next: 2 recorded votes in our records. Latest: House roll call 125 (2020): On Motion to Recommit with Instructions, HR5332 (2020-06-29), Failed. See all
  4. Where it stands now: Received in the Senate. 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 Your Credit Score Act of 2020

Plain summary

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.

Congressional Research Service summary (Passed 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 Your Credit Score Act of 2020

Source: Congressional Research Service summary (Passed House)

AI explanation – may be wrong, check the official text

No AI explanation yet. It takes up to a minute to write and is then saved for everyone.

Limited to a few requests an hour per person.

The strongest published arguments

Arguments for (supporters)

Needs sources: no published arguments on this side yet. We only show items backed by a published source. Suggest one.

Arguments against (opponents)

Needs sources: no published arguments on this side yet. We only show items backed by a published source. Suggest one.

Alternatives

Needs sources: no published alternatives yet (for example a different bill, a law instead of an amendment, or keeping current law). We only show items backed by a published source. Suggest one.

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

Officials and money

Sponsor: Rep. Gottheimer, Josh [D-NJ-5] · 1 cosponsors

Cost estimate: CBO cost estimate: H.R. 5332, Protecting Your Credit Score Act of 2019 (2020-02-24)

Cosponsors on this site

Sponsor's campaign money: Rep. Gottheimer, Josh [D-NJ-5] reported raising $5.8 million (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

Recorded votes

Words on this page, explained (3)
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).
Securities
Financial investments that can be bought and sold, such as stocks and bonds.
Statute
A written law passed by a legislature. A statute can be changed by a later law; changing a constitution needs an amendment.

Plain meanings written from linked sources. All words.

Sources

Record fed-us-cong116-hr5332 · catalog fed-us-congress-bills-cong116 · updated 2026-11-15 by psicol fed-bills-cong116