119th Congress · introduced in the Senate · Mar 19, 2026
ESCRA Act
Official title from Congress.gov
Latest action (Mar 19, 2026): Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
View on Congress.govPolicy area: Finance and Financial Sector
No official summary has been published for this bill.
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.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Introduced in Senate
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 23, 2026.
23 citations.
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
…he 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 Rule's advance fee prohibition for the 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. 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
…he 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 Rule's advance fee prohibition for the 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. 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
…t 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 Harm Act Issue…
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 Liabilit…
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 Act: provis…
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 · lobbying firm or registrant: PLURUS STRATEGIES, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Financial Institutions/Investments/Securities
$20,000
Paid to lobbying firm
General issues related to consumer and small business lending, debt settlement, auto lending, and credit repair, including S.4144, the 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 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 enforcement…
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
…t 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 Harm Act Issue…
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 Liabilit…
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 Act: provis…
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
…he 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 Rule's advance fee prohibition for the 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
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
…he 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 Rule's advance fee prohibition for the 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
AMERICAN FINANCIAL SERVICES ASSOCIATION · lobbying firm or registrant: PLURUS STRATEGIES, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 16, 2026 · issue area: Financial Institutions/Investments/Securities
$20,000
Paid to lobbying firm
General issues related to consumer and small business lending, debt settlement, auto lending, and credit repair, including S.4144, the 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 CONSUMER CREDIT ADVOCATES, INC. · lobbying firm or registrant: BALLARD PARTNERS, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 14, 2026 · issue area: Financial Institutions/Investments/Securities
$70,000
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 enforcement…
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 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Consumer Issues/Safety/Products
$3,140,000
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
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 Q1 report (Jan 1, 2026 – Mar 31, 2026) · amended · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$33,000
Paid to lobbying firm
…he 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 Rule's advance fee prohibition for the 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
LEXINGTON LAW · lobbying firm or registrant: EMERGENT STRATEGIES
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$33,000
Paid to lobbying firm
…he 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 Rule's advance fee prohibition for the 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
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$70,000
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 Act: provis…
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
AARP · lobbying firm or registrant: AARP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$3,830,000
Spent on own lobbying
…ke Scams Act. S. 2840/H.R. 2478, the Financial Exploitation Prevention Act. S. 1467/H.R. 2808, the Homebuyers Privacy Protection Act. H.R. 2978, the GUARD Act. S. 4144/H.R. 306, the Ending Scam Credit Repair Act (ESCRA) Act. S.1773/H.R. 3469, the Tax Relief for Victims of Crimes, Scams, and Disasters Act. S. 2019/H.R. 4936, t…
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
AARP · lobbying firm or registrant: AARP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Consumer Issues/Safety/Products
$3,830,000
Spent on own lobbying
S. 4144/H.R. 306, the Ending Scam Credit Repair Act (ESCRA) Act. S. 1467/H.R. 2808, the Homebuyers Privacy Protection Act. S. 3982/H.R. 7786, the AI Fraud Accountabili…
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 HOLDINGS, INC. · lobbying firm or registrant: ONEMAIN HOLDINGS, INC.
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$240,000
Spent on own lobbying
General issues related to consumer lending. H.R. 306/S. 4144-Ending Scam Credit Repair Act. General issues related to credit card.
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 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Consumer Issues/Safety/Products
$180,000
Spent on own lobbying
…t 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 Issues related to credit reporting Issues related to medical debt Issues…
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 · lobbying firm or registrant: PLURUS STRATEGIES, LLC
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 16, 2026 · issue area: Financial Institutions/Investments/Securities
$20,000
Paid to lobbying firm
General issues related to consumer and small business lending, debt settlement, auto lending, and credit repair, including S.4144, the 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