H.R. 5332Protecting Your Credit Score Act of 2020

2 recorded actions194 of these members are on the 2026 ballotWhat the measure does Read on Congress.gov

Sponsor: Josh Gottheimer [D-NJ-05]
Cosponsors: 1 · 1 Republican
Policy area: Finance and Financial Sector
Committee: Financial Services Committee
Latest action: Jun 30, 2020 · Received in the Senate.

IntroducedDec 6, 2019
Passed the HouseJun 29, 2020
Passed the SenateNot yet reached
Sent to the PresidentNot yet reached
Became lawNot yet reached

What the measure doesCRS summary

Protecting Your Credit Score Act of 2020

This bill revises provisions related to consumer credit reports and credit reporting agencies.

(Sec. 2) Credit reporting agencies are directed to create a central online portal that allows consumers to (1) access free credit reports and credit scores, (2) dispute errors, and (3) place or lift security freezes.

(Sec. 3) Credit reporting agencies must verify specified identifying information when adding credit information to a consumer's file. Credit reporting agencies must also perform periodic audits of credit reports to ensure accuracy.

(Sec. 4) A credit reporting ombudsperson, whose responsibilities include resolving persistent errors by credit reporting agencies, is established at the Consumer Financial Protection Bureau (CFPB).

Credit reporting agencies must provide a consumer with additional information after an agency's reinvestigation of disputed credit information.

(Sec. 5) A court may award injunctive relief to compel a credit reporting agency to comply with credit report protections.

(Sec. 6) Consumers will receive a free credit score upon request and upon certain adverse credit decisions.

Credit reporting agencies must provide available information to consumers regarding the purpose behind the procurement of a credit report.

(Sec. 7) The bill establishes a public registry for credit reporting agencies.

(Sec. 8) The bill also provides the CFPB with statutory authority for supervising credit reporting agencies.

(Sec. 9) The bill gives the CFPB the authority to establish data security requirements for credit reporting agencies.

(Sec. 10) The CFPB must report on the effectiveness of specified audits in addressing data security risks at credit reporting agencies.

(Sec. 11) The Government Accountability Office must report on the feasibility of credit reporting agencies replacing Social Security numbers as identifiers with another type of federal identification.

Written by the nonpartisan Congressional Research Service, describing H.R. 5332 as passed House on Jun 29, 2020. It is not the text of the measure; a later amendment may have changed what it does.

Roll calls on H.R. 53322 roll calls on this measure

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Jun 29, 2020Each bar: ✓ Yea from the bottom, ✕ Nay aboveJun 29, 2020

How every member votedHouse roll call 126

House Jun 29, 2020 · the primary vote

On Passage

Protecting Your Credit Score Act

Passed

234 Yea 179 Nay 17 not voting

Party-line vote 5 of 413 voting members broke with their own party: 2 Democrats, 3 Republicans.

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How the chamber split

One dot per member. Select a seat or a bar to filter the list.

DemocratsRepublicansFilled: YeaRing: NayGrey: not voting or present

By party select a segment to filter

All members430 members

Democratic233 members

Republican197 members

marks half of the votes cast. A party’s majority is the side most of its voting members took.

Cosponsors1 · 1 Republican

Signing on is not a vote: a member can cosponsor H.R. 5332 and vote against it. 1 signed when it was filed.

RTom Reed [R-NY-23]Original

Loading the public record

Who lobbied on H.R. 533222 organizations

Organizations that named H.R. 5332 in a lobbying disclosure. Only those that cited the bill by number appear, so this is a floor, not a full list.

CONSUMER DATA INDUSTRY ASSOCIATIONfiled by CONSUMER DATA INDUSTRY ASSOCIATION, RESOLUTION PUBLIC AFFAIRS, LLCIts PAC: Consumer Data Industry Association PAC

Financial Institutions/Investments/Securities · Consumer Issues/Safety/Products10 filings · 4th Quarter (Oct 1 - Dec 31) 2020Filing

AMERICAN BANKERS ASSOCIATIONfiled by AMERICAN BANKERS ASSOCIATION, TASSEY & ASSOCIATESIts PAC: American Bankers Association PAC

Taxation/Internal Revenue Code · Telecommunications · Postal · Small Business +14 more8 filings · 4th Quarter (Oct 1 - Dec 31) 2020Filing

EXPERIAN NORTH AMERICAfiled by FEDERAL HALL POLICY ADVISORS, LLC, EXPERIAN NORTH AMERICAIts PAC: Experian North America, Inc PAC

Consumer Issues/Safety/Products · Financial Institutions/Investments/Securities · Health Issues8 filings · 4th Quarter (Oct 1 - Dec 31) 2020Filing

CHAMBER OF COMMERCE OF THE U.S.A.

Defense · Civil Rights/Civil Liberties · Accounting · Aerospace +45 more7 filings · 4th Quarter (Oct 1 - Dec 31) 2020Filing

TRANS UNION LLCfiled by TRANS UNION LLC, CROSSROADS STRATEGIES, LLC

Defense · Disaster Planning/Emergencies · Health Issues · Banking +2 more6 filings · 4th Quarter (Oct 1 - Dec 31) 2020Filing

CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSfiled by CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS

Copyright/Patent/Trademark · Small Business · Banking · Government Issues +6 more5 filings · 4th Quarter (Oct 1 - Dec 31) 2020Filing

NATIONAL ASSOCIATION OF REALTORSIts PAC: National Association of Realtors Congressional Fund

Civil Rights/Civil Liberties · Transportation · Immigration · Copyright/Patent/Trademark +13 more5 filings · 4th Quarter (Oct 1 - Dec 31) 2020Filing

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANYIts PAC: State Farm Mutual Automobile Insurance Co. Federal PAC

Banking · Financial Institutions/Investments/Securities · Transportation · Medicare/Medicaid +4 more5 filings · 4th Quarter (Oct 1 - Dec 31) 2020Filing

VANTAGESCORE SOLUTIONS, LLCfiled by THE LAW OFFICE OF WILLIAM J. DONOVAN

Financial Institutions/Investments/Securities5 filings · 4th Quarter (Oct 1 - Dec 31) 2020Filing

AMERICAN EXPRESS COMPANYIts PAC: American Express Co. PAC

Small Business · Banking · Taxation/Internal Revenue Code · Telecommunications +1 more3 filings · 4th Quarter (Oct 1 - Dec 31) 2020Filing

86 disclosures name this measure. Retrieved from LDA.gov on 2026-10-05. Senate Office of Public Records cannot vouch for the data or analyses derived from these data after the data have been retrieved from LDA.gov.