H.R. 8141 Reported by committee Finance and Financial Sector

Fair Credit Reporting Reseller Accuracy Act

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.

  1. Introduced
  2. Committee
  3. Passed House
  4. Passed Senate
  5. To President
  6. Became law
Sponsor Rep. Lawler, Michael [R-NY-17] Introduced March 27, 2026 Cosponsors 3 (1 D, 2 R) Latest action September 1, 2026

Summary

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.

Summary by the Congressional Research Service, Library of Congress.

Congress.gov

Actions

  1. Sep 1, 2026 Placed on the Union Calendar, Calendar No. 689.
  2. Sep 1, 2026 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-789.
  3. Jun 30, 2026 Ordered to be Reported (Amended) by Voice Vote.
  4. Jun 30, 2026 Committee Consideration and Mark-up Session Held
  5. Mar 27, 2026 Referred to the House Committee on Financial Services.
  6. Mar 27, 2026 Introduced in House

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