A bill to amend the Credit Repair Organizations Act to establish a new disclosure statement.

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

Congressional Research Service

Official summary

Version 00 · Introduced in Senate · Jun 15, 2006

Amends the Credit Repair Organizations Act to require the disclosure statement a credit repair organization must provide to any consumer before any contract or agreement is executed to notify the consumer of his or her right to obtain a free copy of his or her credit report once every 12 months from each of the nationwide consumer reporting agencies.

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People & committees

Who introduced it

Sen. Bennett, Robert F. [R-UT] · R–UT

Committees

Banking, Housing, and Urban Affairs Committee

0 cosponsorship records, including any withdrawals

Legislative record

Actions

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

Jun 15, 2006
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Jun 15, 2006
Sponsor introductory remarks on measure. (CR S5956-5957)
Jun 15, 2006
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 · Jun 15, 2006 Formatted Text PDF

Related bills identified by Congress.gov

S 3662 · Credit Monitoring Enhancement Act of 2006

Source last updated: Jan 14, 2025. Consult Congress.gov for the current record.

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Neutral evidence review

Objective

Analyze S.3518 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.3518, 109th Congress: A bill to amend the Credit Repair Organizations Act to establish a new disclosure statement.

Official record: https://www.congress.gov/bill/109th-congress/senate-bill/3518

Text version to examine: Introduced in Senate · 2006-06-15.

Official full text: https://www.congress.gov/109/bills/s3518/BILLS-109s3518is.htm

Imported record last updated by the source: 2025-01-14T18:20:48Z. 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.3518 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.3518 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.

View full prompt & sources

Discuss S.3518, 109th Congress: A bill to amend the Credit Repair Organizations Act to establish a new disclosure statement.

Official record: https://www.congress.gov/bill/109th-congress/senate-bill/3518

Text version to examine: Introduced in Senate · 2006-06-15.

Official full text: https://www.congress.gov/109/bills/s3518/BILLS-109s3518is.htm

Imported record last updated by the source: 2025-01-14T18:20:48Z. 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.3518 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.3518 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.3518, 109th Congress: A bill to amend the Credit Repair Organizations Act to establish a new disclosure statement.

Official record: https://www.congress.gov/bill/109th-congress/senate-bill/3518

Text version to examine: Introduced in Senate · 2006-06-15.

Official full text: https://www.congress.gov/109/bills/s3518/BILLS-109s3518is.htm

Imported record last updated by the source: 2025-01-14T18:20:48Z. 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.3518 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.3518 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.3518, 109th Congress: A bill to amend the Credit Repair Organizations Act to establish a new disclosure statement.

Official record: https://www.congress.gov/bill/109th-congress/senate-bill/3518

Text version to examine: Introduced in Senate · 2006-06-15.

Official full text: https://www.congress.gov/109/bills/s3518/BILLS-109s3518is.htm

Imported record last updated by the source: 2025-01-14T18:20:48Z. 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.3518 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.