# 114-hr-5010: Fair Access to Credit Scores Act of 2016

114-hr-5010, Fair Access to Credit Scores Act of 2016, is a 114th Congress bill sponsored by Rep. Cohen, Steve [D-TN-9] (D-TN); status Referred to the House Committee on Financial Services. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-5010
- 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-5010
- Congress: 114
- Title: Fair Access to Credit Scores Act of 2016
- Status: Referred to the House Committee on Financial Services.
- Introduced: 2016-04-20
- Sponsor: Rep. Cohen, Steve [D-TN-9] (D-TN)
- Cosponsors: 6
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Fair Access to Credit Scores Act of 2016 This bill amends the Fair Credit Reporting Act to require certain consumer reporting agencies to disclose, upon request and without charge, as part of a consumer's free annual disclosure, a current credit score generated using the scoring methodology most frequently used to generate scores sold to creditors, including information regarding other risk scores or predictors in the consumer's file. Those agencies shall also furnish any other consumer information the Consumer Financial Protection Bureau considers appropriate with respect to consumer financial education, including where the consumer's credit score falls with respect to a range of possible credit scores, and the general factors contributing to consumer credit scores. Upon consumer request for a credit score, a consumer reporting agency shall disclose any a credit or risk score in a consumer's file. All consumer reporting agencies shall maintain credit scores or other risk scores or predictors in the consumer's file for at least one year after the data is generated.

## Cosponsors (6)

- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2016-04-20T00:00:00.000Z
- Rep. Grijalva, Raúl M. [D-AZ-7] (D-AZ), 2016-04-20T00:00:00.000Z
- Rep. Tsongas, Niki [D-MA-3] (D-MA), 2016-04-20T00:00:00.000Z
- JOHN CONYERS (D-MI), 2016-04-20T00:00:00.000Z
- PETER VISCLOSKY (D-IN), 2016-04-20T00:00:00.000Z
- Rep. Takano, Mark [D-CA-39] (D-CA), 2016-06-07T00:00:00.000Z

## Related bills

- 114-hr-5044: Making supplemental appropriations for fiscal year 2016 to respond to Zika virus.
- 114-hr-4592: Naismith Memorial Basketball Hall of Fame Commemorative Coin Act
- 114-hr-4479: Families of Flint Act
- 114-hr-4269: Assault Weapons Ban of 2015
- 114-hr-3635: Federal Employee Retroactive Pay Fairness Act
- 114-hr-3514: WAGE Act

## Sources
- [114-hr-5010 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/5010)

## Related
- [114-hr-5044: Making supplemental appropriations for fiscal year 2016 to respond to Zika viru…](https://policyrisk.com/legislation/114-hr-5044)
- [114-hr-4592: Naismith Memorial Basketball Hall of Fame Commemorative Coin Act](https://policyrisk.com/legislation/114-hr-4592)
- [114-hr-4479: Families of Flint Act](https://policyrisk.com/legislation/114-hr-4479)
- [114-hr-4269: Assault Weapons Ban of 2015](https://policyrisk.com/legislation/114-hr-4269)
- [114-hr-3635: Federal Employee Retroactive Pay Fairness Act](https://policyrisk.com/legislation/114-hr-3635)
- [114-hr-3514: WAGE Act](https://policyrisk.com/legislation/114-hr-3514)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-5010 (as of 2025-11-18).