Wednesday, January 29, 2020
House Meets at… Votes Predicted at…
10:00 a.m. Morning Hour
12:00 p.m. Legislative Business
Fifteen “One Minutes” Per Side
First/Last Votes: 4:00 p.m. – 5:00 p.m.



Floor Schedule and Procedure:

Suspension (1 bill):

  1. S. 3201 – Temporary Reauthorization and Study of the Emergency Scheduling of Fentanyl Analogues Act (Sen. Graham – Energy and Commerce)

    This bill extends the Drug Enforcement Agency’s temporary order to continue to have all fentanyl-like substances in Schedule I of the Controlled Substance Act for 15 months. It also tasks the Government Accountability Office (GAO) with an evaluation of the temporary order on public health and safety.

Under a Rule (1 bill):

H.R. 3621 – Comprehensive CREDIT Act of 2020 (Rep. Pressley – Financial Services)

This bill overhauls the credit reporting system by empowering consumers with more control of their data and requiring consumer reporting agencies like Equifax, TransUnion, and Experian, to better ensure that the information on consumer credit reports is accurate and complete.

Click here for a fact sheet from the Financial Services Committee.

Click here for a section by section analysis from the Financial Services Committee.

The Rule, which was adopted yesterday, provides for one hour of general debate and makes in order the following amendments:

DeSaulnier Amendment
Requires the GAO to study how credit scores are used in rental housing and mortgage determinations, including information on possible disparate treatment of different demographic populations.
Shalala Amendment
Requires the GAO to study how credit scores adversely impacted by a student borrower’s defaulted or delinquent private education loan further impacts applying for future loans, including information on possible disparate treatment of different demographic populations.
Timmons Amendment
Requires GAO to carry out a study of the compliance by credit reporting agencies that compile and maintain files on consumers and the impact such compliance has on consumers.
Clay Amendment
Clarifies Federal law for reporting certain positive consumer credit information to credit reporting agencies and seeks to expand access to credit through use of alternative data.
Steil/McAdams Amendment
Clarifies that a person’s credit report may be used if the report is obtained in connection with a background check or related investigation of financial information that is required by a federal, state, or local law or regulation.
Gottheimer Amendment
Clarifies that if a credit score developer changes their credit score model such that it may negatively impact the credit scores for a group of consumers, then the Consumer Financial Protection Bureau has the option to review the new model and prohibit the change if they find the change is inappropriate.
Kildee Amendment
Expands those impacted by major disasters and emergencies to include those working in the areas. Also, extends the grace period for individuals affected by a major disaster or emergency to up to 6 months.
King (IA) Amendment
 Amends the date for relief on major disaster and emergency declarations to begin on the initial date of the incident period of the major disaster or emergency.
Sanchez Amendment
Allows for extended active duty uniformed consumers, including members of the National Guard, to dispute an adverse action or inaction on their credit report that occurred while they were in a combat zone or aboard a U.S. vessel. If a credit reporting agency has knowledge that the consumer was an extended active duty uniformed consumer at the time such action or inaction occurred, the credit reporting agency would have to promptly notify the consumer and inform them how to dispute the adverse information, and includes a budgetary offset.
Cohen Amendment #10
Creates a time period for credit reporting agencies to remove private loan default from the consumer credit report after the consumer makes nine consecutive payments on the loan.
Cohen Amendment #11
Clarifies that credit reports cannot be used as the sole reason for denial of employment.
Takano Amendment
Prohibits the inclusion of arrest records on a consumer credit report if the consumer was not convicted for the arrest.
Brown Amendment
Reaffirms Congressional efforts to enhance cybersecurity and implement routine security updates of databases maintained by nationwide consumer reporting agencies that contain sensitive and critical consumer data as critical to the national interest of the United States. Additionally, it clarifies consumer reporting agencies are subject to cybersecurity oversight by the Consumer Financial Protection Bureau, including having to meet minimum training and ongoing certification requirements, and the amendment includes a budgetary offset.
Panetta Amendment
Includes the term homelessness (as defined by the Secretary of Housing and Urban Development) as an example of an unusual extenuating life circumstance or event that results in severe financial or personal barriers and demonstrates undue hardship.


“In a gentle way, you can shake the world.”

Mahatma Gandhi