PlainBillCongress, translated.Legislation. Context. Public interest.Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Congressional Research Service
Version 00 · Introduced in Senate · Feb 5, 2018
Equifax Consumer Protection and Data Empowerment Act of 2018
This bill amends the Fair Credit Reporting Act to revise the consumer protection duties of consumer reporting agencies.
Credit reporting agencies must provide a cost-free method for consumers to control the release of their information for certain purposes.
The bill limits the purposes for which a consumer reporting agencies may provide a consumer's information to a third party. For example, consumer reporting agencies may not provide consumer information to a third party for a credit or insurance transaction not initiated by the consumer.
The bill revises the requirements for fraud alerts provided by consumer reporting agencies, including by extending the length of all alerts to 10 years and expanding access to free reports.
People & committees
Sen. Brown, Sherrod [D-OH] · D–OH
Legislative record
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Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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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Analyze S.2375 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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