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H.R. 8141

U.S. House•In House Committee

Summary

H.R. 8141, the Fair Credit Reporting Reseller Accuracy Act, was introduced in the House on Mar 27, 2026 by Rep. Michael Lawler (R) with 3 co-sponsors. It last saw action on Sep 1, 2026: Placed on the Union Calendar, Calendar No. 689.

Record

Text

H.R. 8141 has 3 co-sponsors.

hb8141/introduced-in-house.txt
119 HR 8141 IH: Fair Credit Reporting Reseller Accuracy Act
 U.S. House of Representatives
 2026-03-27
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 I  119th CONGRESS  2d Session  H. R. 8141  IN THE HOUSE OF REPRESENTATIVES   March 27, 2026   Mr. Lawler  (for himself and  Mr. Gottheimer ) introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
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.
1.
Short title
This Act may be cited as the   Fair Credit Reporting Reseller Accuracy Act  .
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)
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.
 .

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2026-03-27
  2. Passed House
  3. Passed Senate
  4. Conference
  5. To President
  6. Became Law

CRS Summary

The summaries are the Congressional Research Service’s, one per stage. Read them in full.

Introduced in House Mar 27, 2026

hb8141/introduced-in-house.md

Shown Here:
Introduced in House (03/27/2026)

Fair Credit Reporting Reseller Accuracy Act

This bill requires a consumer credit data reseller (a consumer reporting agency that does not maintain a credit database of its own, but assembles and merges a consumer's credit information from other agencies that it provides to a third party) to follow reasonable procedures to ensure the maximum possible accuracy of the credit information it provides.

A reseller may not be held liable under the Fair Credit Reporting Act for the information it provides if the reseller accurately communicates the information obtained from another consumer reporting agency.

Sponsors

Rep. Michael Lawler (R) sponsors H.R. 8141, and 3 members have co-sponsored it, 1 of them from the day it was introduced.

Committees

H.R. 8141 went before 1 committee: Financial Services.

Financial Services
Financial Services
Reported By · Sep 1, 2026 · 559 Bills

Actions

H.R. 8141 has taken 6 actions since Mar 27, 2026, the latest on Sep 1, 2026.

ChamberAction
Sep 1, 2026
House
Placed on the Union Calendar, Calendar No. 689.
Sep 1, 2026
—
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-789.Financial Services Committee
Jun 30, 2026
House
Committee Consideration and Mark-up Session HeldFinancial Services Committee
Jun 30, 2026
House
Ordered to be Reported (Amended) by Voice Vote.Financial Services Committee
Mar 27, 2026
House
Introduced in House

Votes

H.R. 8141 has not gone to a roll call.

Titles

H.R. 8141 goes by 4 titles, 2 of them short titles.

  • Fair Credit Reporting Reseller Accuracy Act — Short Title(s) as Reported to House
  • Fair Credit Reporting Reseller Accuracy Act — Display Title
  • Fair Credit Reporting Reseller Accuracy Act — Short Title(s) as Introduced
  • 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. — Official Title as Introduced

Lobbying

7 clients hired 7 firms and 36 registered lobbyists who named H.R. 8141 in 9 quarterly filings, 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Financial Institutions/Investments/Securities, Banking, Consumer Issues/Safety/Products, Government Issues, Budget/Appropriations, Labor Issues/Antitrust/Workplace, Small Business, Taxation/Internal Revenue Code.

Clients

Who paid to be heard, by how many filings named the bill.

ClientBusinessStateFirmsFilingsReported
CONSUMER DATA INDUSTRY ASSOCIATION—District of Columbia12—
NATIONAL CONSUMER REPORTING ASSOCIATIONTrade assn for financial services and tenant screening.Maryland12—
PROFESSIONAL BACKGROUND SCREENERS ASSOCIATIONTrade associationNorth Carolina11$50K
AMERICAN ASSOCIATION FOR JUSTICE—District of Columbia11—
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP—District of Columbia11—
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS—District of Columbia11—
EQUIFAX, INC—Georgia11—

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
CONSUMER DATA INDUSTRY ASSOCIATION12—
NATIONAL CONSUMER REPORTING ASSOCIATION12—
AKIN GUMP STRAUSS HAUER & FELD11$50K
AMERICAN ASSOCIATION FOR JUSTICE11—
CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP11—
CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS11—
EQUIFAX, INC.11—

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 36.

LobbyistFirmsClientsFilings
DANIEL SMITH112
ERIC ELLMAN112
ANDREW MORRIS111
BRADFORD THALER111
CHARLOTTE MCBIRNEY111
CLARK DERRINGTON111
DANIEL HINKLE111
DARRELL VILLARUZ111
DAVID FERREIRA111
ELIZABETH FARRAR111
ELLI SCHANK111
FERAS SLEIMAN111
GORDON HOLZBERG111
GREGORY MESACK111
HEATHER SAGER111
JAMES AKIN111
JAMES TUCKER111
JEREMY GREENBERG111
JULIA DUNCAN111
KATHLEEN COULOMBE111

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

ClientRegistrantPeriodReportedDocument
AMERICAN ASSOCIATION FOR JUSTICEAMERICAN ASSOCIATION FOR JUSTICE2026 second_quarter$1.8M2nd Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2026 second_quarter$1.3M2nd Quarter - Report
EQUIFAX, INCEQUIFAX, INC.2026 second_quarter$500K2nd Quarter - Report
CONSUMER DATA INDUSTRY ASSOCIATIONCONSUMER DATA INDUSTRY ASSOCIATION2026 first_quarter$160K1st Quarter - Report
CONSUMER DATA INDUSTRY ASSOCIATIONCONSUMER DATA INDUSTRY ASSOCIATION2026 second_quarter$125K2nd Quarter - Report
CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELPCENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP2026 second_quarter$90K2nd Quarter - Report
PROFESSIONAL BACKGROUND SCREENERS ASSOCIATIONAKIN GUMP STRAUSS HAUER & FELD2026 second_quarter$50K2nd Quarter - Report
NATIONAL CONSUMER REPORTING ASSOCIATIONNATIONAL CONSUMER REPORTING ASSOCIATION2026 second_quarter$5K2nd Quarter - Report
NATIONAL CONSUMER REPORTING ASSOCIATIONNATIONAL CONSUMER REPORTING ASSOCIATION2026 first_quarter$5K1st Quarter - Report

Classification

The Congressional Research Service files H.R. 8141 under Finance and Financial Sector, one of its 31 policy areas, and gives it 3 legislative subjects.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 8141’s is Finance and Financial Sector.

hr8141/policy-areas.txt
Finance and Financial SectorAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Legislative Subjects

H.R. 8141 carries 3 of CRS’s legislative subjects, from Consumer credit to Retail and wholesale trades.

hr8141/subjects.txt
Consumer creditData collection, sharing, protectionRetail and wholesale trades

Constitutional authority

The clause the sponsor cites as Congress’s power to enact H.R. 8141, as entered in the Congressional Record.

[Congressional Record Volume 172, Number 58 (Friday, March 27, 2026)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. LAWLER:H.R. 8141.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8 of the U.S. Constitution[Page H2790]

Source: congress.gov · legiscan.com