H.R. 4115: Restoring Unfairly Impaired Credit and Protecting Consumers Act

117th Congress · introduced 2021-06-24 · 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 2021-06-24 · official record
Who proposed it: Rep. Tlaib, Rashida [D-MI-13] · 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

Restoring Unfairly Impaired Credit and Protecting Consumers Act

Plain summary

Restoring Unfairly Impaired Credit and Protecting Consumers Act This bill revises requirements regarding consumer credit information included by a consumer reporting agency on a credit report, including by requiring removal of adverse information that resulted from specified fraudulent lending activity, shortening the time period adverse information stays on reports, and limiting the inclusion of certain medical debt on reports. The bill also requires a consumer reporting agency to provide free credit monitoring and identity theft protection services to certain consumers, including victims of fraud, active duty military, and those 65 years of age and older.

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

Restoring Unfairly Impaired Credit and Protecting Consumers 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. Tlaib, Rashida [D-MI-13] · 0 cosponsors

Cost estimate: No cost estimate published yet.

Sponsor's campaign money: Rep. Tlaib, Rashida [D-MI-13] reported raising $3.3 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-117hr4115.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/117/hr>

Record fed-us-cong117-hr4115 · catalog fed-us-congress-bills-cong117 · updated 2026-11-15 by psicol fed-bills-cong117