PlainBillCongress, translated.Legislation. Context. Public interest.Congressional Research Service
Version 07 · Reported to House · Jun 7, 2022
Fair Lending for All Act
This bill modifies provisions related to prohibited credit discrimination.
The bill adds sexual orientation, gender identity, and an applicant's location based on zip code or census tract as classes protected against discrimination with respect to credit transactions. (Currently, discrimination is prohibited on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives public assistance.)
The bill establishes criminal penalties for violations of prohibited credit discrimination.
The Consumer Financial Protection Bureau is required to review loan applications for compliance with specified consumer laws and to establish an Office of Fair Lending Testing.
People & committees
Rep. Green, Al [D-TX-9] · D–TX
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
Placed on the Union Calendar, Calendar No. 263.
Reported (Amended) by the Committee on Financial Services. H. Rept. 117-349.
Reported (Amended) by the Committee on Financial Services. H. Rept. 117-349.
Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 28 - 24.
Committee Consideration and Mark-up Session Held.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
Text links open the official source. We currently store references to these documents.
Source last updated: May 15, 2025. Consult Congress.gov for the current record.
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Analyze H.R.166 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
Examine H.R.166 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.
Examine H.R.166 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.
Examine H.R.166 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.