Fair Credit Reporting Reseller Accuracy Act
Sponsored By: Representative Lawler, Michael [R-NY-17]
Introduced
Summary
This bill would add a new subsection to the Fair Credit Reporting Act that centers on reseller accuracy responsibilities. It would require resellers of consumer-report information to follow rules aimed at making the information as accurate as possible before they pass it on.
Show full summary
- Resellers: Would have to implement reasonable procedures to assure maximum possible accuracy before transmitting information to an end user or another reseller. They would also be protected from liability under the FCRA when they accurately relay information obtained from another consumer reporting agency.
- End users: Would receive data that resellers are required to check for accuracy before delivery, which could affect how businesses rely on resold consumer-report information.
- Legal clarity: The bill ties the new duties and protections to the FCRA definition of "reseller" in Section 603, clarifying which entities the changes apply to.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 0 benefits, 0 costs, 1 mixed.
New accuracy rules for credit resellers
If enacted, resellers of consumer-report information would need reasonable procedures to make data as accurate as possible. They would have to run those checks before sending information to an end user or another reseller. The bill would define "reseller" using the Fair Credit Reporting Act. It would also bar FCRA liability for resellers that accurately pass along information they got from another consumer reporting agency.
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.
View on Congress.gov