PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the House Committee on Financial Services.
Congressional Research Service
Version 00 · Introduced in House · Aug 8, 2023
Restoring Unfairly Impaired Credit and Protecting Consumers Act
This bill limits the adverse information allowed to be included on a consumer credit report, reduces the time period certain information remains on a report, and expands the availability of free credit reports.
The bill prohibits medical debt from inclusion on a consumer credit report. In addition, it prohibits adverse credit information related to (1) unfair or fraudulent mortgage loans, (2) unfair or fraudulent private education loans, and (3) debt that is the result of financial abuse.
Showing the opening paragraphs of the official summary.
Further, the bill reduces the time period certain adverse information is allowed to be included on a consumer credit report. This includes bankruptcy cases, tax liens that have been paid, accounts in collection, certain civil suits and judgements, criminal convictions, certain rehabilitated mortgage and private educational debt, and fully paid or settled debt.
The bill expands free credit monitoring to include victims of fraud, data breaches, and identity theft; unemployed consumers; recipients of public welfare assistance; individuals 65 or older; and other classes as established by the Consumer Financial Protection Bureau (CFPB). Consumers must directly request free credit monitoring from the reporting agency and provide proof of identity. The CFPB must establish a fair and reasonable fee for credit reporting services for other consumers.
The bill also establishes procedures for victims of financial abuse to provide documentation to consumer reporting agencies for removal of related adverse information.
The CFPB must create a standardized affidavit for consumers to report identity theft, fraud, or the unauthorized disclosure of sensitive information.
People & committees
Rep. Tlaib, Rashida [D-MI-12] · D–MI
Legislative record
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Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
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No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.
Source last updated: Jun 23, 2025. Consult Congress.gov for the current record.
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