H.R. 4120: Comprehensive CREDIT Act of 2021

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. Pressley, Ayanna [D-MA-7] · 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

Comprehensive CREDIT Act of 2021

Plain summary

Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2021 or the Comprehensive CREDIT Act of 2021 This bill provides for additional consumer credit protections, sets forth requirements for credit reporting agencies, and prohibits the inclusion of specified information on credit reports. The bill revises the dispute process for consumers challenging information contained on their credit report, including by establishing an appeals process for disputed credit information. The bill also establishes the right for courts to award injunctive relief to require compliance with consumer credit laws. Credit reporting agencies must provide (1) free credit scores to consumers along with their free annual credit reports, and (2) additional information regarding the calculation of their credit score. Furthermore, specified lenders must give consumers free copies of consumer reports or credit scores used for making underwriting decisions before consumers sign the respective loan agreements. Additionally, the bill generally revises the information included on a credit report, including by limiting the inclusion of certain medical debt. The bill also expands consumer credit protections applicable to servicemembers and victims of fraud.

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

Comprehensive CREDIT Act of 2021

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. Pressley, Ayanna [D-MA-7] · 1 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Jared Huffman (D-CA)

Sponsor's campaign money: Rep. Pressley, Ayanna [D-MA-7] reported raising $1.3 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-117hr4120.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/117/hr>

Record fed-us-cong117-hr4120 · catalog fed-us-congress-bills-cong117 · updated 2026-11-15 by psicol fed-bills-cong117