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Credit Law Changes: Lenders Can Ask About Immigration Status.

This bill amends the Equal Credit Opportunity Act, explicitly allowing lenders to inquire about an applicant's immigration status. This information can only be used to determine the creditor's legal rights and remedies regarding the loan, such as debt collection procedures. It strictly prohibits using immigration status to discriminate when assessing an applicant's overall financial creditworthiness.
Key points
Lenders are explicitly allowed to ask applicants about their immigration status when extending credit.
Immigration status information must only be used to assess the creditor's ability to legally enforce the debt, not to discriminate in determining creditworthiness.
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Status:
Expired
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Additional Information
Print number: 118_HR_6870
Sponsor: Rep. Ogles, Andrew [R-TN-5]
Process start date: 2023-12-19
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Summarized by: gemini-flash-latest
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

To amend the Equal Credit Opportunity Act to clarify creditor's rights and remedies with respect to the consideration of immigration status with respect to the extension of credit, 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_6870.

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 2023-12-19.

What are the main provisions?

Key points include:

  • Lenders are explicitly allowed to ask applicants about their immigration status when extending credit.
  • Immigration status information must only be used to assess the creditor's ability to legally enforce the debt, not to discriminate in determining creditworthiness.
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. Ogles, Andrew [R-TN-5].

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 2025-12-30.

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

Economy Migration