legislation: 108-hr-2796

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bill_id congress bill_type bill_number title policy_area introduced_date latest_action_date latest_action_text origin_chamber sponsor_name sponsor_state sponsor_party sponsor_bioguide_id cosponsor_count summary_text update_date url
108-hr-2796 108 hr 2796 Consumer Credit Protection Act Amendments of 2003 Finance and Financial Sector 2003-07-18 2003-08-04 Referred to the Subcommittee on Financial Institutions and Consumer Credit. House Rep. Thompson, Bennie G. [D-MS-2] MS D T000193 0 Consumer Credit Protection Act Amendments of 2003 - Amends the Fair Credit Reporting Act to set forth impermissible uses of consumer credit scores by an insurance provider with respect to a consumer or insurance applicant. Mandates that any credit scoring system used to generate any risk or credit score be in compliance with the Equal Credit Opportunity Act. Requires a consumer reporting agency, upon request, to disclose to the consumer clearly and accurately all information in the consumer's file, including: (1) credit consumer reports and any information concerning reports and credit scores; (2) any other risk scores or predictors, including any credit scores used; and (3) a clear, concise summary of how the scores and predictors are derived. Cites circumstances that require a consumer reporting agency to furnish free disclosures upon request. Requires every consumer reporting agency taking adverse action based upon a consumer report to: (1) provide a copy of such report, including other risk scores or predictors, and credit scores used; and (2) provide a written summary of all consumer rights and how to exercise them. 2023-01-15T05:47:35Z  

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