A bill to amend the Fair Credit Reporting Act to provide requirements for landlords and consumer reporting agencies relating to housing court records, and for other purposes.
About This Bill
Committee
Latest Action · August 6, 2020
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Tenant Protection Act
This bill prohibits a credit reporting agency from creating a report containing a landlord-tenant court or other housing court record unless
the case resulted in a judgment of possession, the decision is not being appealed, and the record is not more than three years old. If a person takes an adverse action against a consumer based upon a housing court record contained in a credit report, the person must provide the consumer a free copy of the report.
A person who willfully creates a credit report that contains an inaccurate housing record is civilly liable to the consumer.
The Consumer Financial Protection Bureau must (1) issue regulations that direct tenant rating agencies to create a central source for consumers to obtain reports and submit disputes, and (2) report on tenant rating agency compliance.
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