# 116-hr-5332: Protecting Your Credit Score Act of 2020

116-hr-5332, Protecting Your Credit Score Act of 2020, is a 116th Congress bill sponsored by Rep. Gottheimer, Josh [D-NJ-5] (D-NJ); status Received in the Senate. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/116-hr-5332
- 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-5332
- Congress: 116
- Title: Protecting Your Credit Score Act of 2020
- Status: Received in the Senate.
- Introduced: 2019-12-06
- Sponsor: Rep. Gottheimer, Josh [D-NJ-5] (D-NJ)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Protecting Your Credit Score Act of 2019 This bill revises provisions related to consumer credit reports and credit reporting agencies. Credit reporting agencies are directed to create a central online portal that allows consumers to (1) access free credit reports and credit scores, (2) dispute errors, and (3) place or lift security freezes. Consumers will receive a free credit score when requesting a free annual credit report. The bill establishes a public registry for credit reporting agencies. The bill also provides the Consumer Financial Protection Bureau (CFPB) with statutory authority for supervising credit reporting agencies. A credit reporting ombudsperson is established at the CFPB, whose responsibilities include resolving persistent errors by credit reporting agencies. A court may award injunctive relief to compel a credit reporting agency to comply with credit report protections. Credit reporting agencies must provide available information to consumers regarding the purpose behind the procurement of a credit report. The bill gives the CFPB the authority to establish data security requirements for credit reporting agencies. The Government Accountability Office must report on the feasibility of credit reporting agencies replacing Social Security numbers as identifiers with another type of federal identification.

## Cosponsors (1)

- Rep. Reed, Tom [R-NY-23] (R-NY), 2019-12-06T00:00:00.000Z

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- 116-hr-7197: RESTAURANTS Act of 2020

## Sources
- [116-hr-5332 on Congress.gov](https://www.congress.gov/bill/116th-congress/house-bill/5332)

## Related
- [116-hr-8893: Coronavirus Assistance for American Families Act](https://policyrisk.com/legislation/116-hr-8893)
- [116-hr-8494: Guaranteeing Israel’s QME Act of 2020](https://policyrisk.com/legislation/116-hr-8494)
- [116-hr-8402: To direct the Joint Committee on the Library to obtain a statue of Ruth Bader G…](https://policyrisk.com/legislation/116-hr-8402)
- [116-hr-7804: Back to Work Child Care Grants Act of 2020](https://policyrisk.com/legislation/116-hr-7804)
- [116-hr-7447: To direct the Federal Communications Commission to take certain actions to acce…](https://policyrisk.com/legislation/116-hr-7447)
- [116-hr-7197: RESTAURANTS Act of 2020](https://policyrisk.com/legislation/116-hr-7197)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/116-hr-5332 (as of 2025-11-18).