# 116-hr-3642: Improving Credit Reporting for All Consumers Act

116-hr-3642, Improving Credit Reporting for All Consumers Act, is a 116th Congress bill sponsored by Rep. Adams, Alma S. [D-NC-12] (D-NC); status Placed on the Union Calendar, Calendar No. 288. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/116-hr-3642
- 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-3642
- Congress: 116
- Title: Improving Credit Reporting for All Consumers Act
- Status: Placed on the Union Calendar, Calendar No. 288.
- Introduced: 2019-07-09
- Sponsor: Rep. Adams, Alma S. [D-NC-12] (D-NC)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Improving Credit Reporting for All Consumers Act This bill generally modifies requirements related to consumer credit reporting. Specifically, it revises the dispute process for consumers challenging information contained on their credit report, establishes an appeals process for disputed information, and establishes the right to injunctive relief. The bill also requires additional disclosures from credit reporting agencies and furnishers of credit information, prohibits automatic renewals for promotional consumer credit products and services, and makes other related changes. Additionally, the bill directs the Consumer Financial Protection Bureau to issue rules under this bill, including rules to provide for (1) accuracy and completeness in credit reports; (2) access to consumer reporting information for nonnative English speakers, the visually impaired, and the hearing impaired; and (3) the registration of consumer reporting agencies.

## Related bills

- 116-hr-8856: To award a Congressional Gold Medal to the Freedom Riders, collectively, in recognition of their unique contribution to Civil Rights, which inspired a revoluti…
- 116-hr-8828: Public Safety and Wildlife Protection Act
- 116-hr-8820: PASS Act
- 116-hr-8782: Keeping All Students Safe Act
- 116-hr-8758: Studying Veterans Access to Care During COVID–19 Act
- 116-hr-8709: Analyzing Kinetic Impact Projectiles Against Americans Act of 2020

## Sources
- [116-hr-3642 on Congress.gov](https://www.congress.gov/bill/116th-congress/house-bill/3642)

## Related
- [116-hr-8856: To award a Congressional Gold Medal to the Freedom Riders, collectively, in rec…](https://policyrisk.com/legislation/116-hr-8856)
- [116-hr-8828: Public Safety and Wildlife Protection Act](https://policyrisk.com/legislation/116-hr-8828)
- [116-hr-8820: PASS Act](https://policyrisk.com/legislation/116-hr-8820)
- [116-hr-8782: Keeping All Students Safe Act](https://policyrisk.com/legislation/116-hr-8782)
- [116-hr-8758: Studying Veterans Access to Care During COVID–19 Act](https://policyrisk.com/legislation/116-hr-8758)
- [116-hr-8709: Analyzing Kinetic Impact Projectiles Against Americans Act of 2020](https://policyrisk.com/legislation/116-hr-8709)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/116-hr-3642 (as of 2025-11-18).