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Credit History Protection: Removing Eviction Information from Reports

This bill aims to remove information about certain evictions that occurred during the COVID-19 pandemic from credit reports. This means individuals evicted during this difficult period will not have negative entries on their credit history, making it easier for them to access housing or loans in the future.
Key points
Information on evictions from the COVID-19 pandemic period (March 13, 2020, until 30 days after the national emergency ends) will be removed from credit reports.
This also includes information about debts related to these evictions.
These changes apply to all credit reports issued after the bill becomes law, potentially improving the creditworthiness of many individuals.
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Status:
Expired
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Additional Information
Print number: 117_HR_6862
Sponsor: Rep. Cohen, Steve [D-TN-9]
Process start date: 2022-02-28
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

To amend the Fair Credit Reporting Act to exclude information relating to certain evictions from consumer reports, and for other purposes.

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_6862.

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 2022-02-28.

What are the main provisions?

Key points include:

  • Information on evictions from the COVID-19 pandemic period (March 13, 2020, until 30 days after the national emergency ends) will be removed from credit reports.
  • This also includes information about debts related to these evictions.
  • These changes apply to all credit reports issued after the bill becomes law, potentially improving the creditworthiness of many individuals.
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. Cohen, Steve [D-TN-9].

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.

What is the impact of this bill?

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

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