PlainBillCongress, translated.Legislation. Context. Public interest.Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-361.
Congressional Research Service
Version 00 · Introduced in Senate · Jan 30, 2018
Control Your Personal Credit Information Act of 2018
This bill amends the Fair Credit Reporting Act to require a consumer's affirmative written consent before a consumer reporting agency may share that consumer's report with third parties for specified purposes. A consumer must provide proper identification when giving this consent. (Currently, this sharing is generally allowed unless a consumer opts out.)
If the consumer provides consent, a consumer reporting agency may share information with a third party for:
an extension of credit, or
the underwriting of insurance.
A consumer reporting agency may provide a consumer report in connection with transactions not initiated by the consumer only if:
the consumer provides affirmative consent, and
the transaction consists of a firm offer of credit or insurance.
The Government Accountability Office must report on how best to protect information collected in consumer files.
Consumer reporting agencies may not charge consumers fees in connection with furnishing consumer reports.
The bill requires consumer reporting agencies to use reasonable efforts to prevent data breaches of consumer reports.
People & committees
Sen. Reed, Jack [D-RI] · D–RI
Legislative record
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Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-361.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S582-583)
Introduced in Senate
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: Aug 11, 2025. Consult Congress.gov for the current record.
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