# 114-hr-4211: Credit Score Competition Act of 2015

114-hr-4211, Credit Score Competition Act of 2015, is a 114th Congress bill sponsored by ED ROYCE (R-CA); status Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-4211
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 114-hr-4211
- Congress: 114
- Title: Credit Score Competition Act of 2015
- Status: Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.
- Introduced: 2015-12-10
- Sponsor: ED ROYCE (R-CA)
- Cosponsors: 8
- Policy area: Housing and Community Development
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Credit Score Competition Act of 2015 This bill amends the Federal National Mortgage Association Charter Act to authorize the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises, or GSEs) to use credit scores in purchasing residential mortgages only under certain conditions, including that the GSE has established and made publicly available a description of the process it will use to validate and approve credit scoring models. The Director of the Federal Housing Finance Agency may, by regulation, establish standards and criteria for any process used by a GSE to validate and approve credit scoring models pursuant to the Acts.

## Cosponsors (8)

- Rep. Sewell, Terri A. [D-AL-7] (D-AL), 2015-12-10T00:00:00.000Z
- Rep. Himes, James A. [D-CT-4] (D-CT), 2015-12-15T00:00:00.000Z
- Rep. Sinema, Kyrsten [D-AZ-9] (D-AZ), 2015-12-15T00:00:00.000Z
- Rep. Pittenger, Robert [R-NC-9] (R-NC), 2015-12-16T00:00:00.000Z
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY), 2016-02-09T00:00:00.000Z
- Rep. Walters, Mimi [R-CA-45] (R-CA), 2016-06-03T00:00:00.000Z
- Rep. Coffman, Mike [R-CO-6] (R-CO), 2016-09-06T00:00:00.000Z
- Rep. Tipton, Scott R. [R-CO-3] (R-CO), 2016-09-21T00:00:00.000Z

## Related bills

- 114-hr-1475: Korean War Veterans Memorial Wall of Remembrance Act
- 114-hr-3929: Office of Strategic Services Congressional Gold Medal Act
- 114-hr-3268: PAST Act
- 114-hr-2903: Craft Beverage Modernization and Tax Reform Act of 2015
- 114-hr-2726: Apollo 11 50th Anniversary Commemorative Coin Act
- 114-hr-2646: Helping Families in Mental Health Crisis Act of 2016

## Sources
- [114-hr-4211 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/4211)

## Related
- [114-hr-1475: Korean War Veterans Memorial Wall of Remembrance Act](https://policyrisk.com/legislation/114-hr-1475)
- [114-hr-3929: Office of Strategic Services Congressional Gold Medal Act](https://policyrisk.com/legislation/114-hr-3929)
- [114-hr-3268: PAST Act](https://policyrisk.com/legislation/114-hr-3268)
- [114-hr-2903: Craft Beverage Modernization and Tax Reform Act of 2015](https://policyrisk.com/legislation/114-hr-2903)
- [114-hr-2726: Apollo 11 50th Anniversary Commemorative Coin Act](https://policyrisk.com/legislation/114-hr-2726)
- [114-hr-2646: Helping Families in Mental Health Crisis Act of 2016](https://policyrisk.com/legislation/114-hr-2646)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-4211 (as of 2025-11-18).