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H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act (CBO Report for Congress)

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Congress 116th
Date Requested July 11, 2019
Requested By House Committee on Financial Services
Date Sent Dec. 20, 2019
Description:
The bill would Reduce the amount of time adverse information may appear on consumer reports, establish processes for certain consumers to remove adverse information from their consumer reports, and expand fraud and identity theft protections for consumers Impose intergovernmental and private-sector mandates on consumer reporting agencies, other businesses, and states Estimated budgetary effects would primarily stem from Hiring additional Consumer Financial Protection Bureau employees to issue final rules and conduct ongoing outreach to borrowers who were defrauded

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