Fair Credit Reporting Reseller Accuracy Act
Latest action · Sep 1, 2026 Placed on the Union Calendar, Calendar No. 689.
Progress
Where this bill reached, and when. A stage with no date was not reached; one that failed a vote and later carried shows the date it carried.
- IntroducedMar 27, 2026
- Passed HouseNot reached
- Passed SenateNot reached
- To the PresidentNot reached
- Became lawNot reached
Summary
Fair Credit Reporting Reseller Accuracy Act
This bill requires a consumer credit data reseller (a consumer reporting agency that does not maintain a credit database of its own, but assembles and merges a consumer's credit information from other agencies that it provides to a third party) to follow reasonable procedures to ensure the maximum possible accuracy of the credit information it provides.
A reseller may not be held liable under the Fair Credit Reporting Act for the information it provides if the reseller accurately communicates the information obtained from another consumer reporting agency.
Cosponsors 3
Members who signed on, in the order they did. Signatures ran from Mar 27, 2026 to Apr 29, 2026; 1 is an original cosponsor, there from the day it was introduced.
| Seat | Cosponsor | Signed on | |
|---|---|---|---|
| D-NJ | Josh Gottheimer | Original | Mar 27, 2026 |
| R-PA | Daniel Meuser | Apr 14, 2026 | |
| R-MO | Ann Wagner | Apr 29, 2026 |
Committees 1
Where it was sent and what each committee and subcommittee did with it, in order.
| Chamber | Committee | What it did |
|---|---|---|
| House | Financial Services Committee | Referred Mar 28, 2026Markup Jun 30, 2026Reported Sep 1, 2026 |
Actions 6
Everything that happened, newest first.
- Sep 1, 2026Reported (Amended) by the Committee on Financial Services. H. Rept. 119-789.
- Sep 1, 2026Placed on the Union Calendar, Calendar No. 689.
- Jun 30, 2026Committee Consideration and Mark-up Session Held
- Jun 30, 2026Ordered to be Reported (Amended) by Voice Vote.
- Mar 27, 2026Introduced in House
- Mar 27, 2026Referred to the House Committee on Financial Services.
Research
What has been written about this bill: committee reports, cost estimates, the sponsor’s authority statement, printed hearings and the Congressional Research Service’s work.
Committee report
Congressional Budget Office cost estimate
- Oct 8, 2026H.R. 8141, Fair Credit Reporting Reseller Accuracy ActAs reported by the House Committee on Financial Services on September 1, 2026
Constitutional authority
The sponsor’s statement, as printed in the Congressional Record, vol. 172, no. 58, March 27, 2026, page H2790.
Titles 3
Every title it has carried, official and short, at each stage.
- Official Title as Introduced
- To amend the Fair Credit Reporting Act to require resellers of information contained in consumer reports to follow reasonable procedures to assure maximum possible accuracy of such information before transmitting such information, and for other purposes.
- Short Title(s) as Introduced
- Fair Credit Reporting Reseller Accuracy Act
- Short Title(s) as Reported to House
- Fair Credit Reporting Reseller Accuracy Act
Subjects
Assigned by the Library of Congress. Policy area: Finance and Financial Sector.
Text 2
Each version as it was printed, newest first.
- Sep 1, 2026Reported in House
- Mar 27, 2026Introduced in House
Everything here is as published by Congress: the summary is the Congressional Research Service's, the action wording is the clerks', and the subjects are the Library of Congress's. How far it got is read from the actions themselves, taking the most recent one of each kind, so a bill that failed a vote and later passed is shown as having passed. Records come from this bill on Congress.gov and govinfo.gov; cost estimates are the Congressional Budget Office's, and the hearings are the printed hearings GovInfo publishes, which can appear months after the hearing.
