H.R. 4538 (111th): Fair Access to Credit Scores Act of 2010

Jan 27, 2010 (111th Congress, 2009–2010)
Died (Referred to Committee)
Steve Cohen
Representative for Tennessee's 9th congressional district
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Last Updated
Jan 27, 2010
3 pages
Related Bills
H.R. 769 (112th) was a re-introduction of this bill in a later Congress.

Referred to Committee
Last Action: Feb 17, 2011


This bill was introduced on January 27, 2010, in a previous session of Congress, but was not enacted.

Introduced Jan 27, 2010
Referred to Committee Jan 27, 2010
Full Title

To amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers, and for other purposes.


No summaries available.

Primary Source

THOMAS.gov (The Library of Congress)

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H.R. stands for House of Representatives bill.

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GovTrack’s Bill Summary

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Library of Congress Summary

The summary below was written by the Congressional Research Service, which is a nonpartisan division of the Library of Congress.

Fair Access to Credit Scores Act of 2010 - Amends the Fair Credit Reporting Act to require consumer reporting agencies to disclose any information in the consumer's file concerning credit scores or other related risk scores or predictors when the consumer requests a free annual disclosure (credit report).
Requires all consumer reporting agencies to maintain information in the consumer's file concerning such scores or predictors for at least one year from the date on which such information is placed in the file.
Directs the Comptroller General to study and report to Congress on bankruptcy risk scores used by consumer reporting agencies, including an analysis of: (1) the factors used to determine such scores; (2) how bankruptcy risk scores impact the ability of consumers to receive loans; and (3) actions that consumers can take to improve such scores.

House Republican Conference Summary

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No summary available.

House Democratic Caucus Summary

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