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Protecting credit reports from certain pandemic-era eviction records.

This bill aims to remove information about certain evictions from consumer credit reports. This means that evictions occurring during a specific period of the COVID-19 pandemic will not be visible to banks or other institutions, potentially making it easier for citizens to obtain credit or rent housing.
Key points
Information about evictions during the pandemic period (from March 13, 2020, until 30 days after the end of the COVID-19 national emergency) will be excluded from credit reports.
The change applies to evictions from residential properties, but does not include home foreclosures.
The new rules will apply to all consumer reports issued on or after the enactment date of this Act.
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Additional Information
Print number: 118_HR_408
Sponsor: Rep. Cohen, Steve [D-TN-9]
Process start date: 2023-01-20
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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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 118_HR_408.

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 2023-01-20.

What are the main provisions?

Key points include:

  • Information about evictions during the pandemic period (from March 13, 2020, until 30 days after the end of the COVID-19 national emergency) will be excluded from credit reports.
  • The change applies to evictions from residential properties, but does not include home foreclosures.
  • The new rules will apply to all consumer reports issued on or after the enactment date of this Act.
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 2025-12-25.

CATEGORIES

Real Estate Courts and Law Economy