YourVoice.Now Summary
Corporate BenefitsYour MoneyCredit-report middlemen would owe you an accuracy check — but could not be sued for accurately relaying a bureau's error.
Corporate Benefits
Resellers are firms like tenant screeners and background check companies. Today the law shields them only in its dispute rules. The new shield would cover all of the Fair Credit Reporting Act.
Your Money
Resellers would have to take reasonable steps to make a file as accurate as they can. The law already sets that same bar for firms that put a report together.
This law lets you seek money from a company that mishandles your credit file. If a bureau made the error and the reseller relayed it correctly, your claim would go against the bureau.
More about this bill
Companies that resell your credit report would have to check it first. They would have to take reasonable steps to make the file as accurate as possible. That duty would kick in before they hand the file to a lender, landlord, employer, or another reseller. These firms are middlemen. They buy files from the big credit bureaus and sell them on. The same part of the bill would also limit when a reseller can be sued. The shield would cover the whole Fair Credit Reporting Act, not just the new rule. It would apply when a reseller passed on what a bureau gave it, without error. So a mistake that began at a bureau would leave you a claim against the bureau, not the middleman. The bill sets no start date, so it would take effect as soon as it becomes law.
Congressional Summary
Congress's official summary of this bill still describes an earlier version of the text, so we have left it out here. You can read it on Congress.gov.
Legislative Subjects
Details
- Congress
- 119th
- Chamber
- House
- Status
- summarized
- Action
- Reported to House
- Action Date
- 2026-09-01
- Date Added
- 2026-08-27
- Source
- Congress.gov →
Like reading a bill in plain English?
We're building an app that does this for every bill in Congress and lets you tell your reps how you want them to vote. We're a small team getting ready to launch, and we're trying to show investors that real people want this. Be one of them. Help us get it built. Leave your email and we'll tell you the moment the app is ready.