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H.R. 3622: Restoring Unfairly Impaired Credit and Protecting Consumers Act

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To amend the Fair Credit Reporting act to restore the impaired credit of victims of predatory activities and unfair consumer reporting practices, to expand access to tools to protect vulnerable consumers from identity theft, fraud, or a related crime, and protect victims from further harm, and for other purposes.

The bill’s titles are written by its sponsor.

Sponsor and status

Rashida Tlaib

Sponsor. Representative for Michigan's 13th congressional district. Democrat.

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Last Updated: Dec 23, 2019
Length: 66 pages
Jul 5, 2019
116th Congress (2019–2021)

Ordered Reported on Jul 11, 2019

The committees assigned to this bill sent it to the House or Senate as a whole for consideration on July 11, 2019.

4% chance of being enacted according to Skopos Labs (details)

Position statements

What legislators are saying

House Passes Tlaib’s Bill to Remove Credit Barriers from Economic Opportunities for Residents
    — Rep. Rashida Tlaib [D-MI13] (Sponsor) on Jan 29, 2020

U.S. Rep. Barry Loudermilk Sworn Into the 114TH Congress
    — Rep. Barry Loudermilk [R-GA11] on Jan 9, 2015

RELEASE: Fleischmann Reintroduces Bonuses for Cost-Cutters Act
    — Rep. Charles “Chuck” Fleischmann [R-TN3] on Jan 10, 2017

More statements at ProPublica Represent...

What stakeholders are saying

R Street Institute estimates H.R. 3622 will add $4 million in new spending through 2029.


Jul 5, 2019

Bills and resolutions are referred to committees which debate the bill before possibly sending it on to the whole chamber.

Jul 11, 2019
Ordered Reported

A committee has voted to issue a report to the full chamber recommending that the bill be considered further. Only about 1 in 4 bills are reported out of committee.

Dec 23, 2019
Reported by House Committee on Financial Services

A committee issued a report on the bill, which often provides helpful explanatory background on the issue addressed by the bill and the bill's intentions.

If this bill has further action, the following steps may occur next:
Passed House

Passed Senate

Signed by the President

H.R. 3622 is a bill in the United States Congress.

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

Bills numbers restart every two years. That means there are other bills with the number H.R. 3622. This is the one from the 116th Congress.

How to cite this information.

We recommend the following MLA-formatted citation when using the information you see here in academic work:

“H.R. 3622 — 116th Congress: Restoring Unfairly Impaired Credit and Protecting Consumers Act.” 2019. August 5, 2020 <>

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GovTrack automatically collects legislative information from a variety of governmental and non-governmental sources. This page is sourced primarily from, the official portal of the United States Congress. is generally updated one day after events occur, and so legislative activity shown here may be one day behind. Data via the congress project.