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Free Credit Scores for Consumers Act of 2019 This bill requires credit reporting agencies to provide free credit scores to consumers with their free annual consumer reports. The bill also provides for automatic free credit scores and consumer reports in specified circumstances. Credit reporting agencies must provide consumers with additional information regarding the calculation of their credit score. Specified lenders must give consumers free copies of any consumer reports and credit scores they used for underwriting before consumers sign the respective loan agreements.

Veterans and Consumers Fair Credit Act This bill applies certain military consumer credit protections to all consumers. Specifically, the bill caps the interest rate on extensions of consumer credit at 36%.

Veterans and Consumers Fair Credit Act This bill applies certain military consumer credit protections to all consumers. Specifically, the bill caps the interest rate on extensions of consumer credit at 36%.

Improving Credit Reporting for All Consumers Act This bill generally modifies requirements related to consumer credit reporting. Specifically, it revises the dispute process for consumers challenging information contained on their credit report, establishes an appeals process for disputed information, and establishes the right to injunctive relief. The bill also requires additional disclosures from credit reporting agencies and furnishers of credit information, prohibits automatic renewals for promotional consumer credit products and services, and makes other related changes. Additionally, the bill directs the Consumer Financial Protection Bureau to issue rules under this bill, including rules to provide for (1) accuracy and completeness in credit reports; (2) access to consumer reporting information for nonnative English speakers, the visually impaired, and the hearing impaired; and (3) the registration of consumer reporting agencies.

Small Business and Consumer Emergency Credit Act This bill applies certain military consumer credit protections to all consumers, tax-exempt charitable organizations, and small businesses for credit extended during the COVID-19 (i.e., coronavirus disease 2019) emergency period. Specifically, the bill caps the interest rate on an extension of consumer credit at 36%.

Consumer Credit Control Act of 2019 This bill requires a consumer's affirmative informed consent before a consumer reporting agency may share that consumer's report with third parties for specified purposes. A consumer reporting agency must verify a consumer's identity when obtaining this consent. (Currently, this sharing is generally allowed unless a consumer opts out.) If the consumer provides consent, a consumer reporting agency may share information with a third party for * an extension of credit, or * the underwriting of insurance. A consumer reporting agency may provide a consumer report in connection with transactions not initiated by the consumer only if * the consumer provides affirmative consent, and * the transaction consists of a firm offer of credit or insurance. The Government Accountability Office must report on how best to protect information collected in consumer files. Consumer reporting agencies may not charge consumers fees in connection with furnishing consumer reports. The bill requires consumer reporting agencies to use reasonable efforts to prevent data breaches of consumer reports.

Restoring Unfairly Impaired Credit and Protecting Consumers Act This bill revises requirements regarding consumer credit information included by a consumer reporting agency on a credit report, including by * requiring removal of adverse information that resulted from specified fraudulent lending activity, * shortening the time period adverse information stays on reports, and * limiting the inclusion of certain medical debt on reports. The bill also requires a consumer reporting agency to provide free credit monitoring and identity theft protection services to certain consumers, including victims of fraud, active duty military, and those 65 years of age and older.

Protecting Consumers from Unreasonable Credit Rates Act of2019 This bill prohibits a creditor from extending credit to a consumer under an open end consumer credit plan (i.e., credit card) for which the fee and interest rate exceeds 36%. The bill also sets forth criminal penalties for violations and empowers state Attorneys General to enforce the bill. Credit card billing statements must include the fee and interest rate, displayed as "FAIR," instead of the total finance charge expressed as an annual percentage rate (APR).

This bill revises requirements related to credit reporting agencies and the reporting of adverse credit information. Credit reporting agencies are prohibited from using social security numbers in credit reports and as a method of verifying a consumer's identity. The Consumer Financial Protection Bureau must supervise and examine the cybersecurity of certain credit reporting agencies. The bill prohibits a credit reporting agency from reporting paid, medically-necessary debt if the debt was paid over a year prior. A credit reporting agency is also prohibited from reporting certain adverse credit information related to financial abuse, unfair or fraudulent mortgage lending, or fraudulent private student lending. The bill extends the time credit reporting agencies have to place a credit security freeze when receiving such a request by phone or through electronic means from one to three business days. It also extends the time agencies have to remove a freeze from one hour to three days.

Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or the Comprehensive CREDIT Act of 2020 This bill provides for additional consumer credit protections, sets forth requirements for credit reporting agencies, and prohibits the inclusion of specified information on credit reports. TITLE I—IMPROVEMENTS TO THE DISPUTE PROCESS The dispute process for consumers challenging information contained on their credit report is revised for challenges (1) through the credit reporting agency, and (2) through the furnisher of credit information. Credit reporting agencies must disclose to consumers how to dispute this information. If a credit report is revised as a result of a dispute, the credit reporting agency must provide the consumer a free copy of the revised report and credit score. Furnishers of credit information must maintain all records to substantiate the credit information provides to credit reporting agencies. Consumers must be notified when a furnisher provides specific negative credit information within five business days of it being reported to a credit reporting agency. The bill also establishes an appeals process for disputed credit information and sets forth procedures for the credit reporting agencies and furnishers of this information. Credit reporting agencies must identify disputed information on a credit report and ensure accuracy and completeness in credit reports. The bill also establishes the right for courts to award injunctive relief to require compliance with consumer credit laws. TITLE II—FREE CREDIT SCORES FOR CONSUMERS The bill requires credit reporting agencies to provide free credit scores to consumers along with their free annual credit reports. The bill also provides for * additional free credit scores and credit reports when a consumer is disputing information contained on their credit report or has had previously removed information reinserted into their report, and * automatic free credit scores and credit reports to consumers who have obtained a fraud alert or security freeze. Credit reporting agencies must provide consumers with additional information regarding the calculation of their credit score, including factors that adversely effected the score, and specific actions a consumer may take to improve the score. The bill establishes educational credit scores to be used by a consumer in understanding how a lender or creditor may use the information contained in a consumer's credit report if a current credit score is not available. Private education lenders, motor vehicle lenders, indirect auto lenders, and residential mortgage lenders must give consumers free copies of consumer reports or credit scores used for making underwriting decisions before consumers sign the respective loan agreements. TITLE III—STUDENT BORROWER CREDIT IMPROVEMENT ACT The bill prohibits a credit reporting agency from furnishing a credit report containing any adverse item of information relating to a delinquent or defaulted private education loan of a borrower who has a specified demonstrated history of loan repayment. TITLE IV—CREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES The bill revises the information included on a credit report by * requiring removal of adverse information that resulted from fraudulent lending activity regarding private education loans and residential mortgage loans, * expediting the removal of debt that is no longer owed, * prohibiting the inclusion of an arrest that did not result in conviction, * in general reducing the time period adverse information stays on a credit report from seven years to four years, and * limiting the inclusion of certain medical debt. TITLE V—CLARITY IN CREDIT SCORE FORMATION The Consumer Financial Protection Bureau (CFPB) must regulate credit score models by establishing standards for validating the accuracy and predictive value of these models. The bill also gives the CFPB the authority to prohibit the use of certain factors in credit score models. The CFPB must report on the impact of the inclusion of nontraditional data in these models. TITLE VI—RESTRICTIONS ON CREDIT CHECKS FOR EMPLOYMENT DECISIONS A credit reporting agency is prohibited from providing a consumer's credit information for employment purposes, unless the information is for a national security investigation, for a background check or investigation required by regulation, or otherwise required by law. TITLE VII—PROHIBITION ON MISLEADING AND UNFAIR CONSUMER REPORTING PRACTICES The bill prohibits automatic renewals for promotional consumer credit products and services, allows the CFPB to set maximum fees for products and services offered by credit reporting agencies, and allows for multiple credit inquiries of the same type without penalty to a consumer's credit score. Additionally, the bill directs the CFPB to issue rules to provide for * access to consumer reporting information for nonnative English speakers, the visually impaired, and the hearing impaired; and * the registration of credit reporting agencies. The bill also establishes credit protections for consumers affected by a government shutdown. TITLE VIII—PROTECTIONS AGAINST IDENTITY THEFT, FRAUD, OR A RELATED CRIME The bill revises fraud alert protections to allow for an extension of these protections upon request of the consumer if the threat of fraud is ongoing. The bill also requires a credit reporting agency to provide free credit monitoring and identity theft protection services to victims of fraud, the unemployed, recipients of public assistance, active duty uniformed consumer, and those 65 years of age and older. The bill expands to victims of fraud existing consumer protections applicable to victims of identity theft, including free credit scores, additional free credit reports, and access to records of fraudulent activity. The CFPB must develop procedures for reporting fraud and other related crime. TITLE IX—MISCELLANEOUS Contract provisions that violate specified consumer protections or that are against the public interest are null and void. The Government Accountability Office (GAO) must study (1) the use of credit reports and credit scores in housing determinations, (2) the effects on future lending of credit scores impacted by defaulted or delinquent private student loans, and (3) credit reporting agency compliance with consent orders. The bill revises consumer credit protections for servicemembers. The bill (1) extends consumer credit protections to certain active duty uniformed consumers in a combat zone or aboard a U.S. vessel, (2) prohibits the inclusion on a credit report of adverse credit information that occurred while a uniformed consumer was engaged in that type of active duty, and (3) provides for negative credit information alerts to such consumers. The bill also adds to those groups covered by specified active duty credit protections individuals in the commissioned corps of the National Oceanic and Atmospheric Administration and the Public Health Service. The bill allows for the reporting of certain positive consumer credit information to credit reporting agencies. Specifically, a person may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. The GAO must report on the consumer impact of such reporting. Nationwide credit reporting agencies are subject to supervision and examination by the CFPB with respect to cybersecurity.

Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report. A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency (1) medical debt arising from a medically necessary procedure, or (2) other medical debt less than a year old. A person reporting medical debt to a consumer reporting agency must first provide notice to that consumer regarding the restrictions on including medical debt on credit reports. Furthermore, a debt collector is prohibited from collecting a medical debt less than two years old.

Free Credit Score Act of 2019 This bill requires consumer reporting agencies to provide a free credit score to a consumer when providing a free annual consumer report.

Fair Credit Reporting for Servicemembers Act This bill revises consumer credit protections for servicemembers. Among other things, the bill (1) extends consumer credit protections to certain active duty uniformed consumers in a combat zone or aboard a U.S. vessel, and (2) prohibits the inclusion on a consumer report of adverse credit information that occurred while a uniformed consumer was engaged in that type of active duty. The bill also adds to those groups covered by specified active duty credit protections individuals in the commissioned corps of the National Oceanic and Atmospheric Administration and the Public Health Service.

Protect Federal Workers' Credit Act This bill generally restricts the inclusion of certain negative credit information on credit reports upon notification that an individual was affected by a federal government shutdown. Specifically, the bill prohibits (1) an individual from reporting such negative credit information to a consumer reporting agency and (2) the inclusion of such negative credit information on a credit report. The Consumer Financial Protection Bureau must maintain a database of affected federal employees and contractors and make the database accessible to consumer reporting agencies. Subsequently, consumer reporting agencies must delete all negative credit information from the relevant time period regarding affected federal employees and contractors. Consumer reporting agencies must also make additional free credit reports available to an affected individual upon request.

Disaster Protection for Workers' Credit Act This bill provides credit protections to consumers during the COVID-19 (i.e., coronavirus disease 2019) outbreak and other major disasters. The bill generally prohibits furnishers of credit information from reporting adverse credit information that is the result of any inaction or action that occurred during the COVID-19 outbreak. It also prohibits any such reporting regarding a consumer who resides in an area covered by a major disaster declaration. Additionally, medical debt related to the COVID-19 outbreak or a major disaster may not be reported to a consumer reporting agency regardless of when the expenses were incurred. Credit reporting agencies are prohibited from including in a credit report any such adverse credit information. The Consumer Financial Protection Bureau must create a website that allows consumers to report economic hardship as a result of the COVID-19 outbreak or a major disaster. Consumers may request the deletion of adverse credit information and request an extension of certain credit protections. Credit reporting agencies must provide unlimited free credit reports and free credit scores upon request (1) during the COVID-19 outbreak or a major disaster, and (2) for a year afterwards. The bill places restrictions on new credit scoring models created or implemented during the COVID-19 outbreak or a major disaster.

Disaster Protection for Workers' Credit Act of 2020 This bill generally provides credit protections to consumers during the COVID-19 (i.e., coronavirus disease 2019) outbreak and other major disasters. The bill prohibits furnishers of credit information from reporting adverse credit information that is the result of any inaction or action that occurred during the COVID-19 outbreak. It also prohibits any such reporting regarding a consumer who resides in an area covered by a major disaster declaration. Credit reporting agencies are prohibited from including in a credit report any such adverse credit information. The Consumer Financial Protection Bureau must create a website that allows consumers to report economic hardship as a result of the COVID-19 outbreak or a major disaster. Consumers may request the deletion of adverse credit information and request an extension of certain credit protections. Credit reporting agencies must provide unlimited free credit reports and free credit scores upon request (1) during the COVID-19 outbreak or a major disaster, and (2) for a year afterwards.

Protecting Your Credit Score Act of 2020 This bill revises provisions related to consumer credit reports and credit reporting agencies. (Sec. 2) Credit reporting agencies are directed to create a central online portal that allows consumers to (1) access free credit reports and credit scores, (2) dispute errors, and (3) place or lift security freezes. (Sec. 3) Credit reporting agencies must verify specified identifying information when adding credit information to a consumer's file. Credit reporting agencies must also perform periodic audits of credit reports to ensure accuracy. (Sec. 4) A credit reporting ombudsperson, whose responsibilities include resolving persistent errors by credit reporting agencies, is established at the Consumer Financial Protection Bureau (CFPB). Credit reporting agencies must provide a consumer with additional information after an agency's reinvestigation of disputed credit information. (Sec. 5) A court may award injunctive relief to compel a credit reporting agency to comply with credit report protections. (Sec. 6) Consumers will receive a free credit score upon request and upon certain adverse credit decisions. Credit reporting agencies must provide available information to consumers regarding the purpose behind the procurement of a credit report. (Sec. 7) The bill establishes a public registry for credit reporting agencies. (Sec. 8) The bill also provides the CFPB with statutory authority for supervising credit reporting agencies. (Sec. 9) The bill gives the CFPB the authority to establish data security requirements for credit reporting agencies. (Sec. 10) The CFPB must report on the effectiveness of specified audits in addressing data security risks at credit reporting agencies. (Sec. 11) The Government Accountability Office must report on the feasibility of credit reporting agencies replacing Social Security numbers as identifiers with another type of federal identification.

Patient Credit Protection Act of 2020 This bill prohibits credit reporting agencies from including certain medical debt on a credit report if (1) the consumer was covered by a health insurance plan at the time of the medical event; and (2) the consumer has paid, or is paying as part of a payment plan, the consumer's share of copayments, deductibles, and coinsurance. Credit reporting agencies are also prohibited from reporting certain debts incurred for unconscionably excessive medical expenses for health care items and services furnished at a hospital participating in Medicare. The bill also provides for the removal from a credit report of an impairment resulting from a medical debt within 30 days of notification that the consumer (1) has paid in full, or (2) is in regular compliance with a payment plan.

Protecting Innocent Consumers Affected by a Shutdown Act This bill prohibits credit reporting agencies from including on a credit report certain adverse information regarding certain employees affected by a government shutdown. It also provides for a database of consumers affected by a government shutdown and prohibits a report user from taking adverse action against an employee on the basis of information in a report or in the database.

Restricting Credit Checks for Employment Decisions Act This bill generally prohibits a consumer reporting agency from providing a consumer's credit information for employment purposes, unless otherwise required by law or for a national security investigation.

Fair Access to Credit Scores Act of 2019 This bill requires certain consumer reporting agencies to disclose, upon request, as part of a consumer's free annual disclosure (1) the consumer's current credit score, (2) any other information in the consumer's file regarding risk scores or predictors, and (3) any other consumer information the Consumer Financial Protection Bureau considers appropriate with respect to consumer financial education. Consumer reporting agencies shall maintain such scores or predictors in a consumer's file for at least one year after the data is generated.

Consumers First Act This bill revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB). (Sec. 3) The bill amends all statutory references to the "Bureau of Consumer Financial Protection" to refer instead to the "Consumer Financial Protection Bureau." (Sec. 5) Specified units, offices, and boards of the CFPB must perform their assigned duties and may not be renamed or reorganized. The bill establishes requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products or services. The bill reinstates specified agreements between the CFPB and the Department of Education regarding the sharing of information and oversight related to federal student loans. The CFPB rule regarding the use of arbitration agreements in contracts for specific consumer financial products and services is reinstated. This rule prohibits the use of a predispute arbitration agreement to prevent a consumer from filing or participating in certain class action suits. The rule also requires consumer financial product and service providers to furnish the CFPB with particular information regarding arbitrations. (Sec. 6) The bill specifically states the duties of the Office of Fair Lending and Equal Opportunity (under current law, these are delegated by the CFPB Director). It also adds the duty to implement enforcement and supervisory authority regarding the fair lending laws. The Office of Students and Young Consumers is established in the CFPB. (Sec. 7) Membership requirements for the Consumer Advisory Board are revised, including by requiring representatives of service members and veterans. Board meeting requirements are also revised, including by requiring in person meetings and extending the terms of certain board members. (Sec. 8) The bill also decreases the cap on the surplus funds of the Federal Reserve banks. (Amounts exceeding this cap are deposited in the general fund of the Treasury.) (Sec. 9) The bill revises the required public disclosures made by a depository institution or a credit union regarding mortgages and home equity lines of credit. Specifically, institutions originating fewer than 500 mortgage loans or open-end lines of credit are no longer exempt from certain financial reporting. (Sec. 10) The bill limits available exemptions from certain housing mortgage disclosures and prohibits the CFPB from modifying or discontinuing certain mortgage reporting tools. (Sec. 13) The CFPB must report monthly on fair lending investigations and enforcement actions. (Sec. 14) The CFPB must report quarterly on debt collection complaints and enforcement actions. (Sec. 15) The bill provides for free annual consumer credit scores. (Sec. 16) The CFPB must report annually on consumer complaints by senior consumers and provide recommendations to improve protections for these consumers. (Sec. 17) The CFPB must report quarterly on payday loan and car title loan investigations and enforcement actions.

Preventing Credit Score Discrimination in Auto Insurance Act This bill prohibits the use of a credit report, a credit score, or other consumer information in determining auto insurance coverage or rates.

Empowering States' Rights To Protect Consumers Act of2019 This bill limits the annual percentage rate applicable to any consumer credit transaction (other than a residential mortgage transaction), including any associated fees, to the maximum rate permitted by the laws of the state in which the consumer resides.

Credit Access and Inclusion Act of 2019 This bill allows for the reporting of certain positive consumer-credit information to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications service may be reported only to the extent that the information relates to payment by the consumer for such service or other terms of the provision of that service. Furthermore, an energy-utility firm may not report a consumer's outstanding balance as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of that plan. Specified provisions that establish civil liability with respect to furnishers of information to consumer reporting agencies shall not apply to any violation of the bill. The Government Accountability Office must report on the consumer impact of such reporting.