[Report No. 119–789]
March 27, 2026
Mr. Lawler (for himself and Mr. Gottheimer) introduced the following bill; which was referred to the Committee on Financial Services
September 1, 2026
Additional sponsors: Mr. Meuser and Mrs. Wagner
September 1, 2026
Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed
Strike out all after the enacting clause and insert the part printed in italic
For text of introduced bill, see copy of bill as introduced on March 27, 2026
To amend the Fair Credit Reporting Act to require resellers of information contained in consumer reports to follow reasonable procedures to assure maximum possible accuracy of such information before transmitting such information, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
Section 1. Short title
This Act may be cited as the Fair Credit Reporting Reseller Accuracy Act
.
Sec. 2. Accuracy of information transmitted by resellers
Section 607 of the Fair Credit Reporting Act (15 U.S.C. 1681e) is amended by adding at the end the following:
(f) Transmission of information by resellers
(1) In general
Before a reseller transmits information contained in a consumer report to an end user or another reseller, such reseller shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the information relates.
(2) Limitation of liability
No reseller may be held liable under this title if such reseller accurately communicates information obtained from another consumer reporting agency to an end user or another reseller.
(3) Reseller defined
In this subsection the term reseller has the meaning given the term in section 603.