Fair Access to Credit Scores Act of 2017

Referred to the House Committee on Financial Services.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Jan 10, 2017

Fair Access to Credit Scores Act of 2017

This bill amends the Fair Credit Reporting Act to require 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.

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People & committees

Who introduced it

Rep. Cohen, Steve [D-TN-9] · D–TN

Committees

Financial Services Committee

7 cosponsorship records, including any withdrawals

Legislative record

Actions

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Jan 10, 2017
Referred to the House Committee on Financial Services.
Jan 10, 2017
Introduced in House
Jan 10, 2017
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Jan 10, 2017 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

Source last updated: Aug 11, 2025. Consult Congress.gov for the current record.

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Objective

Analyze H.R.402 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.

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Discuss H.R.402, 115th Congress: Fair Access to Credit Scores Act of 2017

Official record: https://www.congress.gov/bill/115th-congress/house-bill/402

Text version to examine: Introduced in House · 2017-01-10.

Official full text: https://www.congress.gov/115/bills/hr402/BILLS-115hr402ih.htm

Imported record last updated by the source: 2025-08-11T16:31:27Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.402 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.

Fairness and public impact

Progressive lens

Examine H.R.402 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.

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Discuss H.R.402, 115th Congress: Fair Access to Credit Scores Act of 2017

Official record: https://www.congress.gov/bill/115th-congress/house-bill/402

Text version to examine: Introduced in House · 2017-01-10.

Official full text: https://www.congress.gov/115/bills/hr402/BILLS-115hr402ih.htm

Imported record last updated by the source: 2025-08-11T16:31:27Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.402 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.

Institutions and government scope

Conservative lens

Examine H.R.402 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.

View full prompt & sources

Discuss H.R.402, 115th Congress: Fair Access to Credit Scores Act of 2017

Official record: https://www.congress.gov/bill/115th-congress/house-bill/402

Text version to examine: Introduced in House · 2017-01-10.

Official full text: https://www.congress.gov/115/bills/hr402/BILLS-115hr402ih.htm

Imported record last updated by the source: 2025-08-11T16:31:27Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.402 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.

Individual rights and government power

Liberty lens

Examine H.R.402 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.

View full prompt & sources

Discuss H.R.402, 115th Congress: Fair Access to Credit Scores Act of 2017

Official record: https://www.congress.gov/bill/115th-congress/house-bill/402

Text version to examine: Introduced in House · 2017-01-10.

Official full text: https://www.congress.gov/115/bills/hr402/BILLS-115hr402ih.htm

Imported record last updated by the source: 2025-08-11T16:31:27Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.402 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.