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Assessing Educational Data Use in Creditworthiness Determinations

This act mandates the Bureau of Consumer Financial Protection to assess how educational data (e.g., college attended, grades) is used in determining creditworthiness. The goal is to identify if such practices lead to unfair treatment of certain groups. The findings will be publicly available, increasing transparency in lending processes.
Key points
The Bureau of Consumer Financial Protection will examine how educational background affects credit decisions.
Automated credit assessment systems will be reviewed for potential discriminatory risks.
Assessment findings and a list of companies using this data will be made public, enhancing consumer awareness.
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Status: Expired
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Additional Information
Print number: 117_HR_9699
Sponsor: Rep. Beatty, Joyce [D-OH-3]
Process start date: 2022-12-30
System Note: Lustra is free, publicly auditable civic infrastructure — 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

Examining Educational Redlining in Lending Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_9699.

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 2022-12-30.

What are the main provisions?

Key points include:

  • The Bureau of Consumer Financial Protection will examine how educational background affects credit decisions.
  • Automated credit assessment systems will be reviewed for potential discriminatory risks.
  • Assessment findings and a list of companies using this data will be made public, enhancing consumer awareness.
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. Beatty, Joyce [D-OH-3].

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.

CATEGORIES

Courts and Law Economy