H.R. 4078: Free Credit Scores for Consumers Act of 2021
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H.R. 4078: Free Credit Scores for Consumers Act of 2021
117th Congress · introduced 2021-06-23 · 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 2021-06-23 · official record
- Who proposed it: Rep. Beatty, Joyce [D-OH-3] · 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.
Official title
Free Credit Scores for Consumers Act of 2021
Plain summary
Free Credit Scores for Consumers Act of 2021 This bill requires credit reporting agencies to provide free credit scores to consumers with their free annual consumer reports. The bill also provides for automatic free credit scores and consumer reports in specified circumstances. Credit reporting agencies must provide consumers with additional information regarding the calculation of their credit score. Specified lenders must give consumers free copies of any consumer reports and credit scores they used for underwriting before consumers sign the respective loan agreements.
Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.
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A “Nay” vote
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What does this mean? (plain words)
Official text
Free Credit Scores for Consumers Act of 2021
Source: Congressional Research Service summary (Introduced in House)
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How did my representative vote? · This bill's floor votes
Officials and money
Sponsor: Rep. Beatty, Joyce [D-OH-3] · 0 cosponsors
Cost estimate: No cost estimate published yet.
Sponsor's campaign money: Rep. Beatty, Joyce [D-OH-3] reported raising $1.5 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-117hr4078.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/117/hr>
Record fed-us-cong117-hr4078 · catalog fed-us-congress-bills-cong117 · updated 2026-11-15 by psicol fed-bills-cong117