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Fair Credit Reporting Reseller Accuracy Act
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.
Summary
- Requires resellers of consumer report information to follow reasonable procedures to assure maximum possible accuracy before transmitting the information to end users or other resellers.
- Protects resellers from liability under the Fair Credit Reporting Act if they accurately communicate information obtained from another consumer reporting agency.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
3 cosponsors
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ)
- Rep. Meuser, Daniel [R-PA-9] (R-PA)
- Rep. Wagner, Ann [R-MO-2] (R-MO)
Actions (4)
- Jun 30, 2026 Ordered to be Reported (Amended) by Voice Vote. · house
- Jun 30, 2026 Committee Consideration and Mark-up Session Held · house
- Mar 27, 2026 Referred to the House Committee on Financial Services. · house
- Mar 27, 2026 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Committee action
What happened to this bill in committee — the meetings where it was considered and every recorded vote taken on it.
Meetings where this bill was on the agenda
Full text
IN THE HOUSE OF REPRESENTATIVES
March 27, 2026
Mr. Lawler (for himself and Mr. Gottheimer) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
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.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Fair Credit Reporting Reseller Accuracy Act”.
SEC. 2. ACCURACY OF INFORMATION TRANSMITTED BY RESELLERS.
Section 607 of the Fair Credit Reporting Act (15 U.S.C. 1681e) is amended by adding at the end the following:
“(f) Resellers.—
“(1) In general.—Before a reseller transmits information contained in a consumer report to an end user or another reseller, such reseller shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the information relates.
“(2) Limitation of liability.—No reseller may be held liable under this title if such reseller accurately communicates information obtained from another consumer reporting agency to an end user or another reseller.
“(3) Reseller defined.—In this subsection the term ‘reseller’ has the meaning given the term in section 603.”. <all>
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