Fair Credit Reporting Reseller Accuracy Act

Michael Lawler

Republican · NY · Representative

Source: Congress.gov · FEC

• Josh Gottheimer (D-NJ-5)Original· 2026-03-27
• Daniel Meuser (R-PA-9)· 2026-04-14
• Ann Wagner (R-MO-2)· 2026-04-29

Placed on the Union Calendar, Calendar No. 689.

2026-09-01

Source: Congress.gov

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.

Plain-English rewrite of the Congressional Research Service summary published on Congress.gov. Cached and reviewed.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8141 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8141 To amend the Fair Credit Reporting Act to require resellers of information contained in consumer reports to follow reasonable procedures to assure maximum possible accuracy of such information before transmitting such information, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 27, 2026 Mr. Lawler (for himself and Mr. Gottheimer) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Fair Credit Reporting Act to require resellers of information contained in consumer reports to follow reasonable procedures to assure maximum possible accuracy of such information before transmitting such information, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Fair Credit Reporting Reseller Accuracy Act''. SEC. 2. ACCURACY OF INFORMATION TRANSMITTED BY RESELLERS. Section 607 of the Fair Credit Reporting Act (15 U.S.C. 1681e) is amended by adding at the end the following: ``(f) Resellers.-- ``(1) In general.--Before a reseller transmits information contained in a consumer report to an end user or another reseller, such reseller shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the information relates. ``(2) Limitation of liability.--No reseller may be held liable under this title if such reseller accurately communicates information obtained from another consumer reporting agency to an end user or another reseller. ``(3) Reseller defined.--In this subsection the term `reseller' has the meaning given the term in section 603.''. <all>

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