119th Congress · introduced in the House · Mar 27, 2026
Fair Credit Reporting Reseller Accuracy Act
Official title from Congress.gov
Latest action (Sep 1, 2026): Placed on the Union Calendar, Calendar No. 689.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in House (Mar 27, 2026)
Fair Credit Reporting Reseller Accuracy Act
This bill requires a consumer credit data reseller (a consumer reporting agency that does not maintain a credit database of its own, but assembles and merges a consumer's credit information from other agencies that it provides to a third party) to follow reasonable procedures to ensure the maximum possible accuracy of the credit information it provides.
A reseller may not be held liable under the Fair Credit Reporting Act for the information it provides if the reseller accurately communicates the information obtained from another consumer reporting agency.
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.
Placed on the Union Calendar, Calendar No. 689.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-789.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-789.
Ordered to be Reported (Amended) by Voice Vote.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
Consumer credit · Data collection, sharing, protection · Retail and wholesale trades
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 23, 2026.
20 citations.
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Consumer Issues/Safety/Products
$70,000
Spent on own lobbying
…arity Act (CLARITY Act), opposing artificial intelligence regulatory sandbox provisions that could exempt firms from consumer protection and civil rights laws. H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act and H.R. 5775 - FCRA Liability Harmonization Act, concerning amendments to the Fair Credit Reporting Act (FCRA).…
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
…to credit reporting and monitoring, use of alternative data, credit repair companies, and FCRA liability, including HR 5775 (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).…
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 ASSOCIATION FOR JUSTICE · lobbying firm or registrant: AMERICAN ASSOCIATION FOR JUSTICE
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$1,580,000
Spent on own lobbying
…access. H.R.4171 - SEED Act of 2025. H.R.7127 - Restoring the Secondary Trading Market Act. Draft legislation on reforming the Gramm-Leach-Bliley Act of 1999. H.R.8141 - Fair Credit Reporting Reseller Accuracy Act. H.R.9330 - Earned Wage Access Consumer Protection Act. Draft legislation on Chapter 15 Bankruptcy. H.R.10184 - C…
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
MORTGAGE BANKERS ASSOCIATION · lobbying firm or registrant: MORTGAGE BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$840,000
Spent on own lobbying
H.R. 8141Fair Credit Reporting Reseller Accuracy Act H.R. 10184Consumer Financial Protection Accountability and Reform Act of 2026 H.R. 1653Civil Investigative Demand (C…
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
PROFESSIONAL BACKGROUND SCREENERS ASSOCIATION · lobbying firm or registrant: AKIN GUMP STRAUSS HAUER & FELD
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Consumer Issues/Safety/Products
$50,000
Paid to lobbying firm
Issues related to the Fair Credit Reporting Act (FCRA) (P.L. 91-508), including H.R. 5775 - FCRA Liability Harmonization Act and H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act; Issues related to privacy and data security; Issues related to accuracy of federal court record searches on PACE…
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
PROFESSIONAL BACKGROUND SCREENERS ASSOCIATION · lobbying firm or registrant: AKIN GUMP STRAUSS HAUER & FELD
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
Issues related to the Fair Credit Reporting Act (FCRA) (P.L. 91-508), including H.R. 5775 - FCRA Liability Harmonization Act and H.R. 8141 - Fair Credit Reporting Reseller Accuracy 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
EQUIFAX, INC · lobbying firm or registrant: EQUIFAX, INC.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · amended · posted Oct 18, 2026 · issue area: Financial Institutions/Investments/Securities
$530,000
Spent on own lobbying
…ssues related to H.R. 5775 - FCRA Liability Harmonization Act; Issues related to H.R. 5402/S. 1465 - Credit Access and Inclusion Act of 2025; Issues related to H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act; Issues related to S. 619 - Credit Freeze for Kids Act; Issues related to the use of credit reports for mortgage;…
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
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 14, 2026 · issue area: Banking
$1,060,000
Spent on own lobbying
…or Homeownership Act (H.R. 7647) Support Eliminating Fraud in the CFPBs Complaint Database Act (H.R. 7588) Support Fair Credit Reporting Reseller Accuracy Act (H.R. 8141) Support Bank Fraud Technology Advancement Act (H.R. 8671) Support STOP Payments Fraud Act (H.R. 9331) Support emergency transaction account guarantee legislat…
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
NATIONAL CONSUMER REPORTING ASSOCIATION · lobbying firm or registrant: NATIONAL CONSUMER REPORTING ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 23, 2026 · issue area: Financial Institutions/Investments/Securities
$5,000
Spent on own lobbying
Credit score issues. H.R. 8141, Fair Credit Reporting Reseller Accuracy 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
NATIONAL CONSUMER REPORTING ASSOCIATION · lobbying firm or registrant: NATIONAL CONSUMER REPORTING ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 23, 2026 · issue area: Banking
$5,000
Spent on own lobbying
Credit score issues. H.R. 8141, Fair Credit Reporting Reseller Accuracy 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
MORTGAGE BANKERS ASSOCIATION · lobbying firm or registrant: MORTGAGE BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Banking
$1,220,000
Spent on own lobbying
H.R. 8141Fair Credit Reporting Reseller Accuracy Act H.R. 1777SECURE Remote Online Notarization Act H.R. 3230Financial Institution Regulatory Tailoring Enhancement Act H…
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
…to credit reporting and monitoring, use of alternative data, credit repair companies, and FCRA liability, including HR 5775 (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).…
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
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP · lobbying firm or registrant: CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Consumer Issues/Safety/Products
$90,000
Spent on own lobbying
H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act and H.R. 5775 - FCRA Liability Harmonization Act, concerning amendments to the Fair Credit Reporting Act (FCRA).…
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 ASSOCIATION FOR JUSTICE · lobbying firm or registrant: AMERICAN ASSOCIATION FOR JUSTICE
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$1,840,000
Spent on own lobbying
…access. H.R.4171 - SEED Act of 2025. H.R.7127 - Restoring the Secondary Trading Market Act. Draft legislation on reforming the Gramm-Leach-Bliley Act of 1999. H.R.8141 - Fair Credit Reporting Reseller Accuracy Act. H.R.9330 - Earned Wage Access Consumer Protection 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
PROFESSIONAL BACKGROUND SCREENERS ASSOCIATION · lobbying firm or registrant: AKIN GUMP STRAUSS HAUER & FELD
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Consumer Issues/Safety/Products
$50,000
Paid to lobbying firm
Issues related to the Fair Credit Reporting Act (FCRA) (P.L. 91-508), including H.R. 5775 - FCRA Liability Harmonization Act and H.R. 8141 - Fair Credit Reporting Reseller Accuracy Act; Issues related to privacy and data security; Issues related to accuracy of federal court record searches on PACE…
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
PROFESSIONAL BACKGROUND SCREENERS ASSOCIATION · lobbying firm or registrant: AKIN GUMP STRAUSS HAUER & FELD
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
Issues related to the Fair Credit Reporting Act (FCRA) (P.L. 91-508), including H.R. 5775 - FCRA Liability Harmonization Act and H.R. 8141 - Fair Credit Reporting Reseller Accuracy 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
AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA · lobbying firm or registrant: AMERICAS CREDIT UNIONS, FKA CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICAS CREDIT UNIONS
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Banking
$1,290,000
Spent on own lobbying
…S. 2544; Senate Amendment 6471) Support Eliminating Fraud in the CFPBs Complaint Database Act (H.R. 7588) Support Fair Credit Reporting Reseller Accuracy Act (H.R. 8141) Support Bank Fraud Technology Advancement Act (H.R. 8671) Support STOP Payments Fraud Act (H.R. 9331) Support emergency transaction account guarantee legislat…
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 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$160,000
Spent on own lobbying
…to credit reporting and monitoring, use of alternative data, credit repair companies, and FCRA liability, including HR 5775 (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).…
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
NATIONAL CONSUMER REPORTING ASSOCIATION · lobbying firm or registrant: NATIONAL CONSUMER REPORTING ASSOCIATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 13, 2026 · issue area: Financial Institutions/Investments/Securities
$5,000
Spent on own lobbying
Credit score issues. H.R. 8141, Fair Credit Reporting Reseller Accuracy 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
NATIONAL CONSUMER REPORTING ASSOCIATION · lobbying firm or registrant: NATIONAL CONSUMER REPORTING ASSOCIATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 13, 2026 · issue area: Banking
$5,000
Spent on own lobbying
Credit score issues. H.R. 8141, Fair Credit Reporting Reseller Accuracy 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