| Entities | Biden White House (21) |
| Topics and Issues |
During the 2020 presidential campaign, candidate Joe Biden (D) called for the creation of a government-run credit bureau that, according to Reuters, “that could compete with Equifax, Experian, and TransUnion and, according to the campaign, minimize racial disparities in lending.” Biden said that “[t]oday’s credit reports, which are issued by just three large private companies, are rife with problems: they often contain errors, they leave many ‘credit invisible’ due to the sources used to generate a credit score, and they contribute to racial disparities, widening the African American homeownership gap.”