H.R. 1002: Fair Access to Credit Scores Act of 2013

Mar 06, 2013
Referred to Committee
2% chance of being enacted
Track this bill
Steve Cohen
Representative for Tennessee's 9th congressional district
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Last Updated
Mar 06, 2013
7 pages
Related Bills
H.R. 769 (112th) was a previous version of this bill.

Referred to Committee
Last Action: Feb 17, 2011

S. 471 (identical)

Referred to Committee
Last Action: Mar 06, 2013


This bill was assigned to a congressional committee on March 6, 2013, which will consider it before possibly sending it on to the House or Senate as a whole.

Introduced Mar 06, 2013
Referred to Committee Mar 06, 2013
Reported by Committee ...
Passed House ...
Passed Senate ...
Signed by the President ...

3% chance of getting past committee.
2% chance of being enacted.

Only 11% of bills made it past committee and only about 3% were enacted in 2011–2013. [show factors | methodology]

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.

15 cosponsors (15D) (show)

House Financial Services

The committee chair determines whether a bill will move past the committee stage.

Primary Source

THOMAS.gov (The Library of Congress)

GovTrack gets most information from THOMAS, which is updated generally one day after events occur. Activity since the last update may not be reflected here. Data comes via the congress project.


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H.R. stands for House of Representatives bill.

A bill must be passed by both the House and Senate in identical form and then be signed by the president to become law.

The bill’s title was written by its sponsor.

GovTrack’s Bill Summary

We don’t have a summary available yet.

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 2013 - Amends the Fair Credit Reporting Act to require certain consumer reporting agencies to disclose, without charge, as part of a consumer's free annual disclosure upon request, a current credit score generated using the scoring methodology most frequently used to generate scores sold to creditors, including information regarding other risk scores or predictors in the consumer's file.
Requires the agencies also to furnish such other consumer information as the Consumer Financial Protection Bureau (CFPB) considers appropriate with respect to consumer financial education, including where the consumer's credit score falls with respect to a range of possible credit scores, and the general factors contributing to the credit scores of consumers.
Requires such agencies, upon consumer request for either a credit score or a risk score, to supply any such score in the consumer's file at the agency.
Requires the agencies to maintain credit scores or other risk scores or predictors in the consumer's file for at least one year after the data is generated.
Directs the CFPB to develop regulations establishing a mandatory format for consumer file disclosures.

House Republican Conference Summary

The summary below was written by the House Republican Conference, which is the caucus of Republicans in the House of Representatives.

No summary available.

House Democratic Caucus Summary

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So, yes, we display the House Republican Conference’s summaries when available even if we do not have a Democratic summary available. That’s because we feel it is better to give you as much information as possible, even if we cannot provide every viewpoint.

We’ll be looking for a source of summaries from the other side in the meanwhile.

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