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Assistance for Seniors: Resolving Billing Errors and Fraud

This new law requires credit companies to establish dedicated phone lines for individuals aged 50 and older. This will help seniors more easily resolve billing errors and report fraudulent activities, receiving assistance from live agents in English or Spanish, without needing to disclose sensitive personal information.
Key points
Creditors must establish toll-free phone lines for individuals aged 50 and older to assist with billing errors and fraud mitigation.
These phone lines will be operated by live English-speaking and Spanish-speaking individuals, not automated systems.
Callers will not be required to disclose personally identifiable information, such as a social security number, to verify their age.
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Additional Information
Print number: 118_HR_4743
Sponsor: Rep. Mfume, Kweisi [D-MD-7]
Process start date: 2023-07-19
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

RING Act of 2023

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_4743.

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 2023-07-19.

What are the main provisions?

Key points include:

  • Creditors must establish toll-free phone lines for individuals aged 50 and older to assist with billing errors and fraud mitigation.
  • These phone lines will be operated by live English-speaking and Spanish-speaking individuals, not automated systems.
  • Callers will not be required to disclose personally identifiable information, such as a social security number, to verify their age.
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. Mfume, Kweisi [D-MD-7].

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.

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Courts and Law Economy