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119-hr-8141119th CongressWALLET

Fair Credit Reporting Reseller Accuracy Act

Sponsored By: Representative Lawler, Michael [R-NY-17]

In Committee

Summary

Requires resellers to ensure maximum possible accuracy before passing along consumer-report data. This bill would add a new subsection to the Fair Credit Reporting Act requiring resellers to use reasonable procedures to verify accuracy before transmitting information to an end user or another reseller and it would create a safe harbor when a reseller accurately communicates data obtained from another consumer reporting agency.

Show full summary
  • Resellers: Must implement reasonable procedures to assure the maximum possible accuracy of information they transmit to end users or other resellers. The bill also shields resellers from liability when they accurately relay information obtained from another consumer reporting agency.
  • Consumer reporting agencies: The bill uses the definition of “reseller” from section 603 of the Fair Credit Reporting Act, clarifying which entities the new rule covers.
  • End users and consumers: Downstream users receive data the bill aims to make more accurate, and individuals gain an extra accuracy check when reports move through reseller channels.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 0 benefits, 0 costs, 1 mixed.

New accuracy rules for resellers

If enacted, the bill would add a new FCRA rule for resellers of consumer reports. Resellers would need to use reasonable procedures to assure the maximum possible accuracy before sending report data to an end user or another reseller. The bill would also bar FCRA liability for a reseller that accurately passes along information obtained from another consumer reporting agency. The bill would use the FCRA definition of "reseller" and would take effect upon enactment.

Sponsors & CoSponsors

Sponsor

Lawler, Michael [R-NY-17]

NY • R

Cosponsors

  • Rep. Gottheimer, Josh [D-NJ-5]

    NJ • D

    Sponsored 3/27/2026

  • Rep. Meuser, Daniel [R-PA-9]

    PA • R

    Sponsored 4/14/2026

  • Rep. Wagner, Ann [R-MO-2]

    MO • R

    Sponsored 4/29/2026

Roll Call Votes

No roll call votes available for this bill.

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