[Congressional Bills 117th Congress]
[From the U.S. Government Publishing Office]
[H.R. 8478 Introduced in House (IH)]
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117th CONGRESS
2d Session
H. R. 8478
To amend the Fair Credit Reporting Act to require nationwide consumer
reporting agencies, upon request, to use a consumer's current legal
name on consumer reports, and for other purposes.
_______________________________________________________________________
IN THE HOUSE OF REPRESENTATIVES
July 21, 2022
Ms. Pressley introduced the following bill; which was referred to the
Committee on Financial Services
_______________________________________________________________________
A BILL
To amend the Fair Credit Reporting Act to require nationwide consumer
reporting agencies, upon request, to use a consumer's current legal
name on consumer reports, 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 ``Credit Reporting Accuracy After a
Legal Name Change Act of 2022''.
SEC. 2. FINDINGS.
Congress finds the following:
(1) Consumer reports are significant to the ability for
American consumers to access credit, housing, and employment.
(2) Fragmented files created by the credit reporting
industry lead to inaccuracies on the consumer reports of
transgender and gender nonconforming consumers after a legal
name change. Inaccurate consumer reports create additional
burdens and barriers for these consumers and impair their
ability to access credit, housing, and employment.
(3) As of 2017, there were approximately 1.4 million adults
who identify as transgender, according to the Williams
Institute report, ``Age of Individuals Who Identify as
Transgender in the United States'', and as of 2021,
approximately 1.2 million adults identify as nonbinary,
according to the Williams Institute report, ``Nonbinary LGBTQ
Adults in the United States''.
(4) As evidence that transgender and gender nonconforming
adults are vulnerable to discrimination, harassment, and abuse
based on their gender identity and expression, in its 2016
report ``Injustice at Every Turn'', the National Center for
Transgender Equality found that transgender adults experienced
unemployment at twice the rate of the general population, and
90 percent reported experiencing harassment, discrimination, or
mistreatment in the workplace. The report further found that
one in five transgender adults reported having been refused a
home or apartment because of their gender identity.
(5) Transgender and gender nonconforming consumers face a
myriad of problems in terms of consumer reporting problems
after they change their names, including that their credit
report fragments into two or more unconnected files upon their
name change and that their name change and any credit actions
that follow are never reflected in their report at all. Many
consumers report that credit reporting problems have a negative
impact on their financial and personal lives, including credit
score decreases of 100 points or more, which can be a barrier
to accessing banking services, mortgages, auto financing,
employment, and rental housing.
(6) Transgender consumers face severe adverse effects from
having their former name reflected on their credit report. The
disclosure of a transgender person's prior name in a consumer
report to a creditor, employer, or lessor can expose those
consumers to unlawful discrimination on the basis of that
consumer's gender identity.
SEC. 3. REQUIREMENT TO USE A CONSUMER'S CURRENT LEGAL NAME ON CONSUMER
REPORTS.
Section 605(a) of the Fair Credit Reporting Act (15 U.S.C.
1681c(a)) is amended by adding at the end the following:
``(9) With respect to a consumer reporting agency described
in section 603(p), any prior name of the consumer about whom
the report relates, other than the consumer's current legal
name, after receiving a request from the consumer to use only
the consumer's current legal name on all consumer reports.''.
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