Entities	Senate Committee on Banking, Housing & Urban Affairs (24)
Topics and Issues	Class action (9) Credit repair (34) Credit Repair Organizations Act (CROA) (15) Credit score competition (14)

In April 2017, CDIA wrote a letter to the U.S. Senate Banking Committee in response to its request for proposals to foster economic growth. CDIA’s letter offered three suggestions: harmonizing the FCRA class action liability cap with other financial consumer protection laws, reforming the Credit Repair Organizations Act (CROA), and fostering credit score competition through Fannie Mae and Freddie Mac.