FIX Act

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Congressional Research Service

Official summary

Version 00 · Introduced in Senate · Feb 6, 2017

FIX Credit Reporting Errors Act or the FIX Act

This bill amends the Fair Credit Reporting Act with respect to the procedures followed by consumer reporting agencies when a consumer disputes the completeness or accuracy of information contained in the consumer's credit report.

Consumer reporting agencies are required to: (1) include all documentation provided by the consumer in the dispute notification furnished to any person who provided disputed information, and (2) consider such consumer documentation when conducting reinvestigations of disputed information.

A consumer reporting agency that operates as reseller is required to convey the notice of the dispute, together with all relevant information and documentation provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute.

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People & committees

Who introduced it

Sen. Klobuchar, Amy [D-MN] · D–MN

Committees

Banking, Housing, and Urban Affairs Committee

1 cosponsorship records, including any withdrawals

Sen. Daines, Steve [R-MT]

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

Feb 6, 2017
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Feb 6, 2017
Introduced in Senate

Primary sources

Bill text & related measures

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

Introduced in Senate · Feb 6, 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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Neutral evidence review

Objective

Analyze S.314 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 S.314, 115th Congress: FIX Act

Official record: https://www.congress.gov/bill/115th-congress/senate-bill/314

Text version to examine: Introduced in Senate · 2017-02-06.

Official full text: https://www.congress.gov/115/bills/s314/BILLS-115s314is.htm

Imported record last updated by the source: 2025-08-11T16:31:47Z. 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 S.314 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 S.314 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 S.314, 115th Congress: FIX Act

Official record: https://www.congress.gov/bill/115th-congress/senate-bill/314

Text version to examine: Introduced in Senate · 2017-02-06.

Official full text: https://www.congress.gov/115/bills/s314/BILLS-115s314is.htm

Imported record last updated by the source: 2025-08-11T16:31:47Z. 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 S.314 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 S.314 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 S.314, 115th Congress: FIX Act

Official record: https://www.congress.gov/bill/115th-congress/senate-bill/314

Text version to examine: Introduced in Senate · 2017-02-06.

Official full text: https://www.congress.gov/115/bills/s314/BILLS-115s314is.htm

Imported record last updated by the source: 2025-08-11T16:31:47Z. 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 S.314 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 S.314 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 S.314, 115th Congress: FIX Act

Official record: https://www.congress.gov/bill/115th-congress/senate-bill/314

Text version to examine: Introduced in Senate · 2017-02-06.

Official full text: https://www.congress.gov/115/bills/s314/BILLS-115s314is.htm

Imported record last updated by the source: 2025-08-11T16:31:47Z. 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 S.314 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.