H.R. 6870: To amend the Equal Credit Opportunity Act to clarify creditor's rights and remedies with respect to the consideration of immigration status with respect to the extension of credit, and for other purposes.

H.R. 6870: To amend the Equal Credit Opportunity Act to clarify creditor's rights and remedies with respect to the consideration of immigration status with respect to the extension of credit, and for other purposes.

118th Congress · introduced 2023-12-19 · 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 2023-12-19 · official record
Who proposed it: Rep. Ogles, Andrew [R-TN-5] · 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

To amend the Equal Credit Opportunity Act to clarify creditor's rights and remedies with respect to the consideration of immigration status with respect to the extension of credit, and for other purposes.

Plain summary

This bill allows creditors to consider an applicant’s immigration status for certain purposes when assessing an application for an extension of credit. In particular, considering an applicant’s U.S. immigration status for the purpose of determining the creditor's rights and remedies applicable to the particular extension of credit does not constitute discrimination.

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

To amend the Equal Credit Opportunity Act to clarify creditor's rights and remedies with respect to the consideration of immigration status with respect to the extension of credit, and for other purposes.

Source: Congressional Research Service summary (Introduced in 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. Ogles, Andrew [R-TN-5] · 16 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Thomas P. Tiffany (R-WI), Andrew S. Clyde (R-GA), Neal P. Dunn (R-FL), Keith Self (R-TX), Ralph Norman (R-SC), Lauren Boebert (R-CO), Roger Williams (R-TX), Troy E. Nehls (R-TX), Randy K. Weber, Sr. (R-TX), Richard McCormick (R-GA), Elijah Crane (R-AZ), Byron Donalds (R-FL)

Sponsor's campaign money: Rep. Ogles, Andrew [R-TN-5] reported raising $790,546 (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-118hr6870.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/118/hr>

Record fed-us-cong118-hr6870 · catalog fed-us-congress-bills-cong118 · updated 2026-11-15 by psicol fed-bills-cong118