# 116-hr-3618: Free Credit Scores for Consumers Act of 2019

116-hr-3618, Free Credit Scores for Consumers Act of 2019, is a 116th Congress bill sponsored by Rep. Beatty, Joyce [D-OH-3] (D-OH); status Placed on the Union Calendar, Calendar No. 247. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/116-hr-3618
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 116-hr-3618
- Congress: 116
- Title: Free Credit Scores for Consumers Act of 2019
- Status: Placed on the Union Calendar, Calendar No. 247.
- Introduced: 2019-07-05
- Sponsor: Rep. Beatty, Joyce [D-OH-3] (D-OH)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Free Credit Scores for Consumers Act of 2019 This bill requires credit reporting agencies to provide free credit scores to consumers with their free annual consumer reports. The bill also provides for automatic free credit scores and consumer reports in specified circumstances. Credit reporting agencies must provide consumers with additional information regarding the calculation of their credit score. 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.

## Cosponsors (1)

- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2019-07-15T00:00:00.000Z

## Related bills

- 116-hr-8598: Emergency Social Security COLA for 2021 Act
- 116-hr-8595: To nullify the effect of Executive Order 13950 relating to combating race and sex stereotyping.
- 116-hr-8352: Jobs and Justice Act of 2020
- 116-hr-8270: I am Vanessa Guillén Act of 2020
- 116-hr-8015: Delivering for America Act
- 116-hr-7993: Promoting and Advancing Communities of Color through Inclusive Lending Act

## Sources
- [116-hr-3618 on Congress.gov](https://www.congress.gov/bill/116th-congress/house-bill/3618)

## Related
- [116-hr-8598: Emergency Social Security COLA for 2021 Act](https://policyrisk.com/legislation/116-hr-8598)
- [116-hr-8595: To nullify the effect of Executive Order 13950 relating to combating race and s…](https://policyrisk.com/legislation/116-hr-8595)
- [116-hr-8352: Jobs and Justice Act of 2020](https://policyrisk.com/legislation/116-hr-8352)
- [116-hr-8270: I am Vanessa Guillén Act of 2020](https://policyrisk.com/legislation/116-hr-8270)
- [116-hr-8015: Delivering for America Act](https://policyrisk.com/legislation/116-hr-8015)
- [116-hr-7993: Promoting and Advancing Communities of Color through Inclusive Lending Act](https://policyrisk.com/legislation/116-hr-7993)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/116-hr-3618 (as of 2025-11-18).