H.R. 7919 – To amend the Fair Credit Reporting Act to permit certain credit repair organiza…

AI-Generated Summary

Updated February 8, 2026 at 3:47 PM UTC

The bill changes the Fair Credit Reporting Act so that credit‑repair companies, not just consumers, can directly dispute inaccurate or incomplete credit information with the companies that originally provided it. By expanding the language in the dispute‑process rules, the bill lets these organizations act on a consumer’s behalf when challenging credit data. This affects consumers, credit‑repair firms, and the businesses that furnish credit information.

Key Provisions

Amends the Fair Credit Reporting Act’s Section 623(a)(8) to replace references to “consumer” with “consumer or credit repair organization,” allowing credit‑repair firms to file disputes directly with the entity that supplied the credit information.
Adds a definition of “credit repair organization” that includes any entity authorized to act on a consumer’s behalf under the existing definition in the Act.

Legislative Activity

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1 earlier action

HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

Financial Services Committee

May 31, 2022

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HouseIntro Referral

Introduced in House

May 31, 2022

HouseIntro Referral

Referred to the House Committee on Financial Services.

Financial Services Committee

May 31, 2022

Bill Text

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Introduced in HouseIssued May 31, 2022

I

117th CONGRESS

2d Session

H. R. 7919

IN THE HOUSE OF REPRESENTATIVES

May 31, 2022

Mr. Lawson of Florida introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To amend the Fair Credit Reporting Act to permit certain credit repair organizations to dispute credit information directly with a furnisher, and for other purposes.

1.

Ability of certain credit repair organizations to dispute information directly with a furnisher

Section 623(a)(8) of the Fair Credit Reporting Act (15 U.S.C. 1681s–2(a)(8)) is amended—

(1)

in the paragraph heading, by striking consumer and inserting consumer and credit repair organization;

(2)

in subparagraph (A), by striking consumer. and inserting consumer or credit repair organization.;

(3)

in subparagraph (B)—

(A)

in clause (ii), by adding and at the end;

(B)

in clause (iii)—

(i)

by striking consumer and inserting consumer or the credit repair organization; and

(ii)

by striking ; and and inserting a period; and

(C)

by striking clause (iv);

(4)

in subparagraph (D), by striking consumer and inserting consumer or credit repair organization;

(5)

in subparagraph (E)—

(A)

in the matter preceding clause (i), by striking from a consumer and inserting from a consumer or credit repair organization;

(B)

in clause (ii), by striking consumer and inserting consumer or credit repair organization; and

(C)

in clause (iii), by striking to the consumer and inserting to the consumer or credit repair organization that submitted the notice;

(6)

in subparagraph (F)—

(A)

in clause (i)—

(i)

in the matter preceding subclause (I), by striking consumer and inserting consumer or credit repair organization;

(ii)

in subclause (I), by striking consumer and inserting consumer or credit repair organization; and

(iii)

in subclause (II), by striking by a consumer and inserting by a consumer or credit repair organization; and

(B)

in clause (ii)—

(i)

by striking notify the consumer and inserting notify the consumer or credit repair organization that submitted the dispute notice; and

(ii)

by striking by the consumer and inserting by the consumer or credit repair organization; and

(7)

by amending subparagraph (G) to read as follows:

(G)

Credit repair organization defined

For purposes of this paragraph, the term credit repair organization means an entity authorized to act on behalf of a consumer that—

(i)

is a credit repair organization, as defined in section 403(3); or

(ii)

but for section 403(3)(B)(i), would be such a credit repair organization.

.