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Titles Actions Overview All Actions Cosponsors Committees Related Bills Subjects Latest Summary All Summaries

Titles (3)

Short Titles

Short Titles - Senate

Short Titles as Introduced

SECURE Act of 2017
Stopping Errors in Consumer Use and REporting Act of 2017

Official Titles

Official Titles - Senate

Official Titles as Introduced

A bill to amend the Fair Credit Reporting Act to enhance the accuracy of credit reporting and provide greater rights to consumers who dispute errors in their credit reports, and for other purposes.


Actions Overview (1)

Date Actions Overview
09/11/2017Introduced in Senate

All Actions (2)

Date All Actions
10/17/2017Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-132.
09/11/2017Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Action By: Senate

Cosponsors (6)

* = Original cosponsor
CosponsorDate Cosponsored
Sen. Warren, Elizabeth [D-MA]* 09/11/2017
Sen. Merkley, Jeff [D-OR]* 09/11/2017
Sen. McCaskill, Claire [D-MO]* 09/11/2017
Sen. Blumenthal, Richard [D-CT]* 09/11/2017
Sen. Sanders, Bernard [I-VT]* 09/11/2017
Sen. Markey, Edward J. [D-MA] 09/14/2017

Committees (1)

Committees, subcommittees and links to reports associated with this bill are listed here, as well as the nature and date of committee activity and Congressional report number.

Committee / Subcommittee Date Activity Related Documents
Senate Banking, Housing, and Urban Affairs09/11/2017 Referred to
10/17/2017 Hearings by

No related bill information was received for S.1786.


Latest Summary (1)

There is one summary for S.1786. View summaries

Shown Here:
Introduced in Senate (09/11/2017)

Stopping Errors in Consumer Use and REporting Act of 2017 or the SECURE Act of 2017

This bill amends the Fair Credit Reporting Act with respect to civil liability for willful or negligent noncompliance with consumer credit protection requirements. Specifically, it authorizes a court to award: (1) injunctive relief to require compliance with that Act, and (2) costs and fees to the prevailing party in any successful action for injunctive relief.

In disputes regarding information contained in a consumer's credit report, the consumer reporting agency must provide all documentation provided by the consumer to the furnisher of the disputed information. The furnisher must review and consider the documentation.

The Consumer Financial Protection Bureau (CFPB) must issue rules to ensure accuracy of consumer reports issued by consumer reporting agencies.

This bill adds negligence and willful violations of the Act as a basis for civil action and penalty by the Federal Trade Commission.

A consumer reporting agency: (1) must give a consumer a credit score free of charge if one is requested in connection with a free annual consumer report, and (2) must provide free disclosures to any consumer who has received either a notice of adverse action or an offer of credit on materially less favorable terms.

Upon request by a consumer under age 16 or the consumer's legal guardian or custodian, a consumer reporting agency may not provide anyone with the minor's consumer report, nor add information to the file without permission.

The Government Accountability Office must study the feasibility of a government-administered consumer credit reporting system.