# 115-hr-3755: Comprehensive Consumer Credit Reporting Reform Act of 2017

115-hr-3755, Comprehensive Consumer Credit Reporting Reform Act of 2017, is a 115th Congress bill sponsored by Rep. Waters, Maxine [D-CA-43] (D-CA); status Referred to the House Committee on Financial Services. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/115-hr-3755
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 115-hr-3755
- Congress: 115
- Title: Comprehensive Consumer Credit Reporting Reform Act of 2017
- Status: Referred to the House Committee on Financial Services.
- Introduced: 2017-09-13
- Sponsor: Rep. Waters, Maxine [D-CA-43] (D-CA)
- Cosponsors: 34
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Comprehensive Consumer Credit Reporting Reform Act of 2017 This bill amends the Fair Credit Reporting Act to revise requirements for disputes regarding consumer credit information reported by a consumer reporting agency (CRA). The bill prescribes requirements for: record maintenance by furnishers of credit information, CRA action when notified of inaccurate or incomplete information from furnishers, and injunctive relief for consumers in the event of noncompliance. The bill limits the circumstances in which a CRA may furnish a consumer report for employment purposes. No CRA may furnish a consumer report containing any adverse item of information relating to a delinquent or defaulted private education loan of a borrower who has a specified demonstrated history of loan repayment. The bill revises requirements relating to information contained in credit reports, requires removal of adverse information that resulted from specified fraudulent lending activity, and shortens the time period adverse information stays on reports. The Consumer Financial Protection Bureau (CFPB) must issue final regulations for development of credit scoring models. CRAs must disclose free credit scores to consumers with their free annual consumer reports. Specified lenders must give consumers free copies of any consumer reports and credit scores they used for underwriting before consumers sign the respective loan agreements. The bill establishes requirements related to credit report sales, required disclosures, and credit freezes. The CFPB is directed to create a nationwide CRA registry.

## Cosponsors (34)

- Rep. Moore, Gwen [D-WI-4] (D-WI), 2017-09-25T00:00:00.000Z
- Rep. DeSaulnier, Mark [D-CA-10] (D-CA), 2017-09-25T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2017-09-25T00:00:00.000Z
- Rep. Khanna, Ro [D-CA-17] (D-CA), 2017-09-25T00:00:00.000Z
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY), 2017-09-25T00:00:00.000Z
- Rep. Nadler, Jerrold [D-NY-12] (D-NY), 2017-09-25T00:00:00.000Z
- Rep. Jackson Lee, Sheila [D-TX-18] (D-TX), 2017-09-25T00:00:00.000Z
- Rep. Rush, Bobby L. [D-IL-1] (D-IL), 2017-09-25T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2017-09-25T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2017-09-25T00:00:00.000Z
- Rep. Lynch, Stephen F. [D-MA-8] (D-MA), 2017-09-25T00:00:00.000Z
- Rep. Cicilline, David N. [D-RI-1] (D-RI), 2017-09-25T00:00:00.000Z
- Rep. Jayapal, Pramila [D-WA-7] (D-WA), 2017-09-25T00:00:00.000Z
- PETER VISCLOSKY (D-IN), 2017-09-25T00:00:00.000Z
- Rep. Hanabusa, Colleen [D-HI-1] (D-HI), 2017-09-26T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2017-09-26T00:00:00.000Z
- Rep. Evans, Dwight [D-PA-3] (D-PA), 2017-09-26T00:00:00.000Z
- Rep. Beyer, Donald S. [D-VA-8] (D-VA), 2017-09-26T00:00:00.000Z
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS), 2017-09-26T00:00:00.000Z
- Rep. Green, Al [D-TX-9] (D-TX), 2017-09-26T00:00:00.000Z
- MICHAEL CAPUANO (D-MA), 2017-10-04T00:00:00.000Z
- Rep. Langevin, James R. [D-RI-2] (D-RI), 2017-10-04T00:00:00.000Z
- Rep. Brownley, Julia [D-CA-26] (D-CA), 2017-10-04T00:00:00.000Z
- Rep. Raskin, Jamie [D-MD-8] (D-MD), 2017-10-04T00:00:00.000Z
- Rep. Pocan, Mark [D-WI-2] (D-WI), 2017-10-04T00:00:00.000Z
- Rep. Courtney, Joe [D-CT-2] (D-CT), 2017-10-04T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2017-10-04T00:00:00.000Z
- WM. CLAY (D-MO), 2017-10-04T00:00:00.000Z
- Rep. Roybal-Allard, Lucille [D-CA-40] (D-CA), 2017-10-04T00:00:00.000Z
- Rep. Lee, Barbara [D-CA-12] (D-CA), 2017-11-01T00:00:00.000Z
- Rep. Smith, Adam [D-WA-9] (D-WA), 2017-11-02T00:00:00.000Z
- Rep. Chu, Judy [D-CA-28] (D-CA), 2017-11-02T00:00:00.000Z
- Rep. Clark, Katherine M. [D-MA-5] (D-MA), 2018-01-18T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2018-04-16T00:00:00.000Z

## Related bills

- 115-hr-6135: Keep Families Together Act
- 115-hr-4240: Public Safety and Second Amendment Rights Protection Act of 2017
- 115-hr-3440: Dream Act of 2017
- 115-hr-1235: Naismith Memorial Basketball Hall of Fame Commemorative Coin Act
- 115-hr-502: Land and Water Conservation Fund Reauthorization and Fairness Act
- 115-hr-5374: Student Non-Discrimination Act of 2018

## Sources
- [115-hr-3755 on Congress.gov](https://www.congress.gov/bill/115th-congress/house-bill/3755)

## Related
- [115-hr-6135: Keep Families Together Act](https://policyrisk.com/legislation/115-hr-6135)
- [115-hr-4240: Public Safety and Second Amendment Rights Protection Act of 2017](https://policyrisk.com/legislation/115-hr-4240)
- [115-hr-3440: Dream Act of 2017](https://policyrisk.com/legislation/115-hr-3440)
- [115-hr-1235: Naismith Memorial Basketball Hall of Fame Commemorative Coin Act](https://policyrisk.com/legislation/115-hr-1235)
- [115-hr-502: Land and Water Conservation Fund Reauthorization and Fairness Act](https://policyrisk.com/legislation/115-hr-502)
- [115-hr-5374: Student Non-Discrimination Act of 2018](https://policyrisk.com/legislation/115-hr-5374)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/115-hr-3755 (as of 2025-11-18).