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Prohibiting Racial Profiling in Lending: Fair Credit Access

This bill aims to protect citizens from discrimination when applying for credit. It prohibits federal agencies from requiring lenders to estimate a borrower's race or ethnicity based on visual observation or surname. This ensures that credit applications are evaluated fairly, without the influence of bias.
Key points
Prohibits estimating a credit applicant's race or ethnicity based on visual observation.
Prohibits estimating a credit applicant's race or ethnicity based on surname.
Strengthens protection against discrimination in the credit application process.
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Expired
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Additional Information
Print number: 117_HR_6802
Sponsor: Rep. Williams, Roger [R-TX-25]
Process start date: 2022-02-18
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Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Preventing Racial Profiling in Lending Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_6802.

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 2022-02-18.

What are the main provisions?

Key points include:

  • Prohibits estimating a credit applicant's race or ethnicity based on visual observation.
  • Prohibits estimating a credit applicant's race or ethnicity based on surname.
  • Strengthens protection against discrimination in the credit application process.
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. Williams, Roger [R-TX-25].

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 2025-12-28.

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