A Democratic bill with 4 Republican cosponsors · See all 7 cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
The "Ending Scam Credit Repair Act" seeks to amend the Credit Repair Organizations Act to increase protections against harmful industry practices. It updates the definition of a credit repair organization and adds prohibitions against making untrue or misleading statements to various agencies. The bill introduces strict rules regarding when these organizations can receive payments and how they can submit disputes. It also mandates specific disclosures to consumers and requires organizations to include copies of all communications sent on a consumer's behalf. Additionally, the act establishes new requirements for communications with information furnishers and mandates state licensing.
Yes· 3 of 6
- Scored +7
Does this give people more protection from unfair business practices?
The bill implements strict payment delays, mandates transparency disclosures, and expands consumer damages to protect against deceptive credit repair practices.
- Scored +5
Would households on low incomes be better off under this?
The bill protects consumers from paying for credit repair services before evidence of improvement is provided.
- Scored +5
Does this make what the government does easier for the public to see?
The bill requires credit repair organizations to provide consumers with copies of all communications sent on their behalf.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Payment Protections: Under Section 3(b)(2), a credit repair organization cannot request or receive payment for services until they provide the consumer with documentation from a consumer reporting agency showing the service was achieved at least 6 months later.
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Improved Transparency: Section 4 requires that disclosures include the statement that "Credit repair organizations do not provide any services that you cannot do yourself for free."
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Enhanced Information Sharing: Section 5(a) requires that consumers receive copies of all communications sent on their behalf at the time the communication is sent.
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Dispute Restrictions: Section 3(c) prevents "jamming" by prohibiting organizations from submitting multiple disputes on the same information unless the previous investigation was completed and the new dispute includes a specific description of inaccuracies.
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Increased Accountability for Disputes: Section 7(a)(5) requires a credit repair organization to respond in writing within 15 business days if a person responds to a dispute seeking clarification or verifying engagement.
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Consumer Recourse: Section 8(a)(1) expands potential recovery by allowing for damages, including $500 for each violation of the title.
Potential Negative Impacts for People
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Industry Licensing Requirements: Section 6(e) dictates that as of January 1, 2026, no person may act as a credit repair organization unless they are licensed by a State.
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Increased Communication Requirements: Section 7(a) requires that disputes sent by mail must include specific information such as the organization's name and State license number on the envelope, and that all disputes must include a specific disclosure statement.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — The bill protects consumers from paying for credit repair services before evidence of improvement is provided. Would middle-income households be better off under this? — The bill provides more transparency and legal recourse for people using credit repair services. Would people in cities be better off under this? — The bill increases consumer protections that are generally applicable to all residents, including those in urban areas.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill implements strict payment delays, mandates transparency disclosures, and expands consumer damages to protect against deceptive credit repair practices.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill requires credit repair organizations to provide consumers with copies of all communications sent on their behalf.
- Social Issues And Justice
- Is this likely to lift people out of poverty? — By preventing upfront payments for unverified credit improvements, the bill helps protect low-income individuals from losing money to ineffective services.
- 4/14/2026
- 2 Cosponsors added.
- 2/3/2026
- 4 Cosponsors added.
- 1/9/2025
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
Janelle BynumDemocrat · Oregon
Brian FitzpatrickRepublican · Pennsylvania
Josh GottheimerDemocrat · New Jersey
Young KimRepublican · California
Michael LawlerRepublican · New York
Brad ShermanDemocrat · California
Jefferson Van DrewRepublican · New Jersey