119th Congress · introduced in the House · Jan 9, 2025
ESCRA Act
Official title from Congress.gov
Latest action (Jan 9, 2025): Referred to the House Committee on Financial Services.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in House (Jan 9, 2025)
Ending Scam Credit Repair Act or the ESCRA Act
This bill revises the Credit Repair Organizations Act and creates additional requirements for credit repair organizations (CROs).
Under current law, it is illegal for a person (including a CRO) to make false or misleading statements regarding a consumer’s creditworthiness or standing to a consumer reporting agency or to a consumer credit provider. The bill additionally prohibits making such statements to the Consumer Financial Protection Bureau, the Federal Trade Commission, or law enforcement. To be subject to this prohibition, the bill also requires such statements to be made knowingly.
The bill also revises CRO obligations to consumers. A CRO is prohibited from charging a consumer for a service (e.g., getting inaccurate information removed from a credit report) until the CRO provides proof of success not less than six months after providing the service. The bill also requires additional disclosures to consumers, requires the retention of any recorded telephone calls, and increases the time records must be retained from two to five years. In addition, consumers must be given copies of all communications sent on their behalf.
Under the bill, all persons must be licensed by a state to act as a CRO. The bill also restricts a CRO’s ability to submit multiple credit disputes regarding the same information.
The bill also sets a minimum liability amount for damages of $500 for each violation of the Credit Repair Organizations Act.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
91 citations; showing the 25 most recently posted.
LEXINGTON LAW · lobbying firm or registrant: EMERGENT STRATEGIES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Financial Institutions/Investments/Securities
Amount not reported
…consumer credit report correction and the credit repair industry Issues pertaining to legislation to repeal FCRA 15 U.S.C. 1681s-2(a)(8)(G) exclusion provision H.R.306, Ending Scam Credit Repair Act S.4144, Ending Scam Credit Repair Act Issues related to establishing a uniform regulatory approach to the Telemarketing Sales Ru…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
CREDIT.COM (FORMERLY KNOWN AS PROGREXION ASG) · lobbying firm or registrant: EMERGENT STRATEGIES
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Financial Institutions/Investments/Securities
Amount not reported
…consumer credit report correction and the credit repair industry Issues pertaining to legislation to repeal FCRA 15 U.S.C. 1681s-2(a)(8)(G) exclusion provision H.R.306, Ending Scam Credit Repair Act S.4144, Ending Scam Credit Repair Act Issues related to establishing a uniform regulatory approach to the Telemarketing Sales Ru…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. View filing
ACA INTERNATIONAL · lobbying firm or registrant: ACA INTERNATIONAL
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Consumer Issues/Safety/Products
$190,000
Spent on own lobbying
…nd Reform Act of 2025 H.R. 1652Rectifying UDAAP Act H.R.2183CFPB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Cost-Benefit Analysis Act H.R.306 and S. 4144 The Ending Scam Credit Repair (ESCRA) Act H.J.Res.74 and S. J. Res 36Medical Debt CRA S. 4622 Protecting Americans from Treatment-related Credit Ha…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER DATA INDUSTRY ASSOCIATION · lobbying firm or registrant: CONSUMER DATA INDUSTRY ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$150,000
Spent on own lobbying
…775 (FCRA Liability Harmonization Act), HR 8141 (Fair Credit Reporting Reseller Accuracy Act), S. 2074 (Servicemembers' Credit Monitoring Enhancement Act), and HR 306 (Ending Scam Credit Repair Act, ESCRA). -Issues related to the CFPB complaint portal, including HR 75889 (Eliminating Fraud in CFPB's Complaint Database Act).…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$3,100,000
Spent on own lobbying
…Act Regulatory Tailoring Community Reinvestment Act Deposit Insurance Reform S.4198/H.R.8087, the Main Street Depositor Protection Act National Bank Preemption H.R. 306, the Ending Scam Credit Repair Act Bank On Certification Program Central Bank Digital Currency Cryptocurrency Stablecoin Digital Assets Bank Capital Requiremen…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Consumer Issues/Safety/Products
$3,100,000
Spent on own lobbying
S.4144/H.R.306 - Ending Scam Credit Repair Act or the ESCRA Act Debt settlement issues Legislation to protect consumers from online scams H.R. 5775, the FCRA Liability Harmon…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$120,000
Spent on own lobbying
H.R. 306 / S. 4144 - Ending Scam Credit Repair Act: provisions related to credit reporting reform. H.R. 940 - Fair Audits and Inspections for Regulators' (FAIR) Exams A…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EXPERIAN NORTH AMERICA · lobbying firm or registrant: EXPERIAN NORTH AMERICA
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$440,000
Spent on own lobbying
…issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liability Harmonization Act (H.R. 5775), Credit Freeze for Kids Act (S. 619); the Guidelines for Use, Access, and Responsible Disclosure ("GUARD") of Fi…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER BANKERS ASSOCIATION · lobbying firm or registrant: CONSUMER BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$1,500,000
Spent on own lobbying
…H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data a…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$540,000
Spent on own lobbying
…f children and teens. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Iss…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ONEMAIN FINANCIAL GROUP, LLC · lobbying firm or registrant: THORN RUN PARTNERS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
General issues related to consumer lending. General issues related to a national privacy law. H.R.306 - ESCRA Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINANCIAL SERVICES ASSOCIATION (AFSA) · lobbying firm or registrant: THORN RUN PARTNERS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Financial Institutions/Investments/Securities
$40,000
Paid to lobbying firm
General issues related to installment lending. H.R.306 - ESCRA Act. General Issues related to the CFPB. Issues related to auto finance. Issues related to debt settlement.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN CONSUMER CREDIT ADVOCATES, INC. · lobbying firm or registrant: BALLARD PARTNERS, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 15, 2026 · issue area: Financial Institutions/Investments/Securities
$110,000
Paid to lobbying firm
H.R. 306 / S. 4144, Ending Scam Credit Repair Act; Credit Repair Organizations Act (CROA) reform; consumer financial services regulation; CFPB and FTC rule making and e…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ACA INTERNATIONAL · lobbying firm or registrant: ACA INTERNATIONAL
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Consumer Issues/Safety/Products
$160,000
Spent on own lobbying
…nd Reform Act of 2025 H.R. 1652Rectifying UDAAP Act H.R.2183CFPB Dual Mandate and Economic Analysis Act H.R. 2331Transparency in CFPB Cost-Benefit Analysis Act H.R.306 and S. 4144 The Ending Scam Credit Repair (ESCRA) Act H.J.Res.74 and S. J. Res 36Medical Debt CRA S. 4622 Protecting Americans from Treatment-related Credit Ha…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER DATA INDUSTRY ASSOCIATION · lobbying firm or registrant: CONSUMER DATA INDUSTRY ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$125,000
Spent on own lobbying
…775 (FCRA Liability Harmonization Act), HR 8141 (Fair Credit Reporting Reseller Accuracy Act), S. 2074 (Servicemembers' Credit Monitoring Enhancement Act), and HR 306 (Ending Scam Credit Repair Act, ESCRA). -Issues related to the CFPB complaint portal, including HR 75889 (Eliminating Fraud in CFPB's Complaint Database Act).…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$3,510,000
Spent on own lobbying
…Act Regulatory Tailoring Community Reinvestment Act Deposit Insurance Reform S.4198/H.R.8087, the Main Street Depositor Protection Act National Bank Preemption H.R. 306, the Ending Scam Credit Repair Act Bank On Certification Program Central Bank Digital Currency Cryptocurrency Stablecoin Digital Assets Bank Capital Requiremen…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Consumer Issues/Safety/Products
$3,510,000
Spent on own lobbying
S.4144/H.R.306 - Ending Scam Credit Repair Act or the ESCRA Act Debt settlement issues Legislation to protect consumers from online scams H.R. 5775, the FCRA Liability Harmon…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$110,000
Spent on own lobbying
H.R. 306 / S. 4144 - Ending Scam Credit Repair Act: provisions related to credit reporting reform. H.R. 940 - Fair Audits and Inspections for Regulators' (FAIR) Exams A…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
EXPERIAN NORTH AMERICA · lobbying firm or registrant: EXPERIAN NORTH AMERICA
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$440,000
Spent on own lobbying
…issues pertaining to FCRA requirements, credit reporting, monitoring, and scoring; including Credit Access and Inclusion Act (S. 1465 & H.R. 5402), ESCRA Act (H.R. 306), FCRA Liability Harmonization Act (H.R. 5775), Credit Freeze for Kids Act (S. 619); and the Guidelines for Use, Access, and Responsible Disclosure ("GUARD") o…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$520,000
Spent on own lobbying
…reezing for children. S. 1465, H.R. 5402 - Credit Access and Inclusion Act: Provisions pertaining to consumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Iss…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ONEMAIN FINANCIAL GROUP, LLC · lobbying firm or registrant: THORN RUN PARTNERS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
General issues related to consumer lending. General issues related to a national privacy law. H.R.306 - ESCRA Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINANCIAL SERVICES ASSOCIATION (AFSA) · lobbying firm or registrant: THORN RUN PARTNERS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$40,000
Paid to lobbying firm
General issues related to installment lending. H.R.306 - ESCRA Act. General Issues related to the CFPB. Issues related to auto finance. Issues related to debt settlement.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CONSUMER BANKERS ASSOCIATION · lobbying firm or registrant: CONSUMER BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Banking
$1,030,000
Spent on own lobbying
…H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data a…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
LEXINGTON LAW · lobbying firm or registrant: EMERGENT STRATEGIES
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…consumer credit report correction and the credit repair industry Issues pertaining to legislation to repeal FCRA 15 U.S.C. 1681s-2(a)(8)(G) exclusion provision H.R.306, Ending Scam Credit Repair Act S.4144, Ending Scam Credit Repair Act Issues related to establishing a uniform regulatory approach to the Telemarketing Sales Ru…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CREDIT.COM (FORMERLY KNOWN AS PROGREXION ASG) · lobbying firm or registrant: EMERGENT STRATEGIES
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…consumer credit report correction and the credit repair industry Issues pertaining to legislation to repeal FCRA 15 U.S.C. 1681s-2(a)(8)(G) exclusion provision H.R.306, Ending Scam Credit Repair Act S.4144, Ending Scam Credit Repair Act Issues related to establishing a uniform regulatory approach to the Telemarketing Sales Ru…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing