Michael Lawler (R-NY)
Fair Credit Reporting Reseller Accuracy Act
A Republican bill with 1 Democratic cosponsor · See all 3 cosponsors
Last activity — Placed on the Union Calendar, Calendar No. 689.
Cleared committee, waiting for its first floor vote
A committee approved it and it is on the calendar of the chamber it started in.
This is further than most bills get, and still no promise of a vote: the calendar is a queue, and the majority leadership decides what is called. A bill can sit here until the Congress ends.
Its path through Congress
- Introduced
- On Calendar
What this bill would do
This bill, known as the "Fair Credit Reporting Reseller Accuracy Act," aims to amend the Fair Credit Reporting Act. It focuses on how resellers handle information found in consumer reports. Specifically, it requires these resellers to follow reasonable procedures to ensure the information they transmit is as accurate as possible. This requirement applies before a reseller sends information to an end user or another reseller. The bill also includes a limitation of liability for resellers who accurately communicate information they received from another consumer reporting agency.
Yes· 3 of 13
- Scored +4
Does this give people more protection from unfair business practices?
Increases requirements for accuracy in consumer credit reports transmitted by resellers.
- Scored +3
Would households on low incomes be better off under this?
Increases accuracy of credit reports, which is critical for accessing affordable credit.
- Scored +3
Would middle-income households be better off under this?
Ensures credit reports are accurate, potentially improving loan terms.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Increased Information Accuracy: Resellers will be required to follow reasonable procedures to assure maximum possible accuracy regarding an individual before they transmit information to an end user or another reseller (Section 2, subsection f, 1). This could benefit people by ensuring the credit-related data being shared about them is correct.
Potential Negative Impacts for People
- No negative impacts are explicitly mentioned in the provided text.
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? — Increases accuracy of credit reports, which is critical for accessing affordable credit. Would middle-income households be better off under this? — Ensures credit reports are accurate, potentially improving loan terms. Would billionaires be better off under this? — Provides general protection against credit reporting errors. Would high-income households be better off under this? — Provides general protection against credit reporting errors. Would people with substantial wealth be better off under this? — Provides general protection against credit reporting errors. Would people in middle age be better off under this? — Helps individuals maintain accurate credit reporting for loans and mortgages. Would retired people be better off under this? — Protects retirees from errors in their credit reports. Would people over 65 be better off under this? — Protects seniors from inaccuracies in their credit reports. Would students be better off under this? — Assists students in ensuring accurate reporting for student loans. Would the very wealthiest people be better off under this? — Provides general protection against credit reporting errors. Would people in their twenties and thirties be better off under this? — Helps young adults establish accurate credit histories.
- Economy And Finance
- Does this give people more protection from unfair business practices? — Increases requirements for accuracy in consumer credit reports transmitted by resellers.
- Governance And Ideology
- Does this give the federal government more power? — Expands federal regulatory requirements for credit report resellers.
- 9/1/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-789.
- Placed on the Union Calendar, Calendar No. 689.
- 6/30/2026
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by Voice Vote.
- 4/29/2026
- 1 Cosponsor added.
- 4/14/2026
- 1 Cosponsor added.
- 3/27/2026
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
Josh GottheimerDemocrat · New Jersey
Daniel MeuserRepublican · Pennsylvania
Ann WagnerRepublican · Missouri