On January 29th, the Comprehensive CREDIT Act H.R. 3621 passed the House 221 to 189. All republicans and two Democrats from swing districts voted against the bill. This bill would have made substantial and dangerous changes to the American consumer reporting ecosystem that would negatively impact millions of consumers and businesses trying to serve those consumers.  This bill stands little to no chance being brought up in the Senate and the White House has affirmed that it will veto the bill if by the remote chance it comes to the President’s desk for signature.

This bill was opposed by the White House, US Chamber of Commerce, American Financial Services Association, Consumer Bankers Association, and the Society for Human Resource Management.

The bill encapsulated the six bills below.