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Stronger Credit Protection: Banning SSN Use and Removing Paid Medical Debt.

This law significantly changes how credit reporting agencies operate to better protect consumers. Key changes include prohibiting the use of Social Security Numbers in credit reports and requiring the removal of paid medical debts older than one year. Furthermore, negative entries resulting from fraud, financial abuse, or predatory mortgage lending cannot harm victims' credit histories.
Key points
Credit agencies are prohibited from using Social Security Numbers (SSNs) in consumer reports or as a verification method (effective January 1, 2022).
Paid medical debt must be removed from credit reports if more than one year has passed since the date of payment.
Negative credit information resulting from predatory mortgage lending, financial abuse, or student loan fraud must be excluded from consumer reports.
Large credit reporting agencies will be subject to cybersecurity supervision and examination by the Bureau of Consumer Financial Protection.
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Expired
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Additional Information
Print number: 117_HR_1645
Sponsor: Rep. McHenry, Patrick T. [R-NC-10]
Process start date: 2021-03-08
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Summarized by: gemini-flash-latest
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Protecting Consumer Access to Credit Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_1645.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-03-08.

What are the main provisions?

Key points include:

  • Credit agencies are prohibited from using Social Security Numbers (SSNs) in consumer reports or as a verification method (effective January 1, 2022).
  • Paid medical debt must be removed from credit reports if more than one year has passed since the date of payment.
  • Negative credit information resulting from predatory mortgage lending, financial abuse, or student loan fraud must be excluded from consumer reports.
  • Large credit reporting agencies will be subject to cybersecurity supervision and examination by the Bureau of Consumer Financial Protection.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. McHenry, Patrick T. [R-NC-10].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-01-02.

CATEGORIES

Economy Courts and Law Health