What: All Issues : Government Checks on Corporate Power : Banks/Credit Card Companies : H.R. 2622. Credit Reporting/Vote to Expand Consumer Access to Free Credit Reports.
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H.R. 2622. Credit Reporting/Vote to Expand Consumer Access to Free Credit Reports.
house Roll Call 497     Sep 10, 2003
Y = Conservative
N = Progressive
Winning Side:
Progressive

Consumers who need to secure credit for whatever reason can turn to a number of sources, including national, regional, or even local credit agencies. As currently drafted, however, the credit reporting legislation under consideration here only provides consumers with free access to those credit reports which were generated by one of three national credit agencies. To expand consumer access to their credit reports, Congressman Frank (D-MA) proposed an amendment to the underlying credit reporting bill which would provide consumers with free access to any credit reports generated by regional credit agencies. Progressives supported Frank's proposal as a way to increase the amount of information available to consumers about their credit history in order to protect them against errors, inconsistencies, or purposeful manipulation of their credit reports by creditors. Conservatives opposed Frank's proposal and pointed out that the three national credit agencies generate 95% of all credit reports in the U.S. Providing free access to credit reports from regional agencies, they argued, would only minimally improve consumers' access to their credit reports. On a 235-186 vote, the Frank amendment was adopted and language was included in the underlying legislation to provide consumers with free access to credit reports generated by regional credit agencies.

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